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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 | $97,040 | $76,519+26.8% | $56,025+73.2% | $145,897-33.5% |
| Participation rate | 14.3% | 63.2%-48.9pp | 52.5%-38.2pp | 80.3%-66.0pp |
| Annual return | 9.38% | 3017.03%-3007.6pp | 1712.69%-1703.3pp | 552.29%-542.9pp |
| Employer contribution / active EE | $1,944 | $1,383+40.5% | $1,042+86.7% | $4,663-58.3% |
| Participant deferral / active EE | $7,438 | $2,624+183.4% | $1,955+280.5% | $6,689+11.2% |
| Admin fee / account holder | $1,787 | $3,331-46.4% | $2,828-36.8% | $13,390-86.7% |