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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 | $45,786 | $202,342-77.4% | $172,753-73.5% | $152,909-70.1% |
| Participation rate | 47.6% | 87.1%-39.4pp | 82.6%-35.0pp | 82.5%-34.8pp |
| Annual return | 27.92% | 1029.88%-1002.0pp | 803.00%-775.1pp | 345.46%-317.5pp |
| Employer contribution / active EE | $1,556 | $5,857-73.4% | $5,144-69.7% | $4,764-67.3% |
| Participant deferral / active EE | $2,709 | $5,948-54.5% | $5,198-47.9% | $5,851-53.7% |
| Admin fee / account holder | $2,475 | $17,112-85.5% | $13,956-82.3% | $11,601-78.7% |