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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $208,419 | $100,911+106.5% | $90,440+130.5% | $158,966+31.1% |
| Participation rate | 50.0% | 75.0%-25.0pp | 72.7%-22.7pp | 82.0%-32.0pp |
| Annual return | 19.04% | 1726.62%-1707.6pp | 1294.38%-1275.3pp | 302.95%-283.9pp |
| Employer contribution / active EE | $4,130 | $3,690+11.9% | $3,263+26.6% | $4,762-13.3% |
| Participant deferral / active EE | $13,376 | $4,348+207.6% | $3,964+237.5% | $5,983+123.6% |
| Admin fee / account holder | $5,838 | $6,507-10.3% | $5,615+4.0% | $11,250-48.1% |