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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 | $31,210 | $99,017-68.5% | $86,587-64.0% | $147,585-78.9% |
| Participation rate | 68.4% | 76.3%-7.9pp | 73.5%-5.1pp | 82.8%-14.4pp |
| Annual return | 25.87% | 1312.37%-1286.5pp | 964.86%-939.0pp | 578.56%-552.7pp |
| Employer contribution / active EE | $6,081 | $3,132+94.2% | $2,839+114.2% | $4,876+24.7% |
| Participant deferral / active EE | $5,036 | $3,972+26.8% | $3,609+39.6% | $5,439-7.4% |
| Admin fee / account holder | $457 | $5,710-92.0% | $4,906-90.7% | $10,885-95.8% |