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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 | $39,570 | $107,941-63.3% | $91,994-57.0% | $152,909-74.1% |
| Participation rate | 50.0% | 81.2%-31.2pp | 78.6%-28.6pp | 82.5%-32.5pp |
| Annual return | 1091.99% | 89.28%+1002.7pp | 69.04%+1023.0pp | 345.46%+746.5pp |
| Employer contribution / active EE | $0 | $4,212-100.0% | $3,453-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $8,075 | $6,366+26.9% | $5,924+36.3% | $5,851+38.0% |
| Admin fee / account holder | $11,736 | $10,521+11.5% | $7,744+51.6% | $11,601+1.2% |