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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 | $156,876 | $96,361+62.8% | $80,607+94.6% | $139,456+12.5% |
| Participation rate | 47.8% | 73.6%-25.8pp | 67.0%-19.2pp | 80.3%-32.5pp |
| Annual return | 16.33% | 1350.95%-1334.6pp | 936.11%-919.8pp | 373.45%-357.1pp |
| Employer contribution / active EE | $2,525 | $3,262-22.6% | $2,724-7.3% | $4,753-46.9% |
| Participant deferral / active EE | $6,451 | $5,232+23.3% | $4,448+45.0% | $6,711-3.9% |
| Admin fee / account holder | $7,500 | $6,601+13.6% | $5,379+39.4% | $11,407-34.2% |