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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 | $157,222 | $202,342-22.3% | $172,753-9.0% | $152,909+2.8% |
| Participation rate | 50.0% | 87.1%-37.1pp | 82.6%-32.6pp | 82.5%-32.5pp |
| Annual return | 24.11% | 1029.88%-1005.8pp | 803.00%-778.9pp | 345.46%-321.4pp |
| Employer contribution / active EE | $1,979 | $5,857-66.2% | $5,144-61.5% | $4,764-58.4% |
| Participant deferral / active EE | $4,859 | $5,948-18.3% | $5,198-6.5% | $5,851-17.0% |
| Admin fee / account holder | $1,076 | $17,112-93.7% | $13,956-92.3% | $11,601-90.7% |