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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 | $99,011-68.5% | $86,582-64.0% | $147,586-78.9% |
| Participation rate | 68.4% | 76.3%-7.9pp | 73.5%-5.1pp | 82.8%-14.4pp |
| Annual return | 25.87% | 1312.75%-1286.9pp | 965.08%-939.2pp | 578.59%-552.7pp |
| Employer contribution / active EE | $6,081 | $3,132+94.1% | $2,839+114.1% | $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 | $5,709-92.0% | $4,904-90.7% | $10,886-95.8% |