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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 | $76,785+26.4% | $56,441+71.9% | $145,959-33.5% |
| Participation rate | 14.3% | 63.2%-49.0pp | 52.5%-38.2pp | 80.3%-66.0pp |
| Annual return | 9.38% | 3000.51%-2991.1pp | 1704.21%-1694.8pp | 561.95%-552.6pp |
| Employer contribution / active EE | $1,944 | $1,381+40.8% | $1,039+87.1% | $4,661-58.3% |
| Participant deferral / active EE | $7,438 | $2,624+183.5% | $1,953+280.8% | $6,689+11.2% |
| Admin fee / account holder | $1,787 | $3,334-46.4% | $2,829-36.9% | $13,398-86.7% |