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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 | $98,123 | $171,867-42.9% | $149,721-34.5% | $147,586-33.5% |
| Participation rate | 63.6% | 88.2%-24.6pp | 87.1%-23.4pp | 82.8%-19.2pp |
| Annual return | 19.94% | 2113.36%-2093.4pp | 1501.67%-1481.7pp | 578.59%-558.7pp |
| Employer contribution / active EE | $3,304 | $6,275-47.3% | $5,444-39.3% | $4,876-32.2% |
| Participant deferral / active EE | $5,655 | $7,270-22.2% | $6,568-13.9% | $5,439+4.0% |
| Admin fee / account holder | $1,228 | $13,799-91.1% | $11,282-89.1% | $10,886-88.7% |