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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 | $125,532 | $202,342-38.0% | $172,752-27.3% | $152,897-17.9% |
| Participation rate | 66.7% | 87.1%-20.4pp | 82.6%-16.0pp | 82.5%-15.8pp |
| Annual return | 18.56% | 1029.83%-1011.3pp | 802.97%-784.4pp | 345.43%-326.9pp |
| Employer contribution / active EE | $2,638 | $5,858-55.0% | $5,144-48.7% | $4,764-44.6% |
| Participant deferral / active EE | $4,915 | $5,948-17.4% | $5,198-5.4% | $5,851-16.0% |
| Admin fee / account holder | $565 | $17,111-96.7% | $13,955-95.9% | $11,599-95.1% |