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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 | $76,522+26.8% | $56,033+73.2% | $145,884-33.5% |
| Participation rate | 14.3% | 63.2%-48.9pp | 52.5%-38.2pp | 80.3%-66.0pp |
| Annual return | 9.38% | 3014.28%-3004.9pp | 1711.38%-1702.0pp | 551.85%-542.5pp |
| Employer contribution / active EE | $1,944 | $1,382+40.7% | $1,041+86.8% | $4,662-58.3% |
| Participant deferral / active EE | $7,438 | $2,624+183.5% | $1,954+280.6% | $6,690+11.2% |
| Admin fee / account holder | $1,787 | $3,328-46.3% | $2,827-36.8% | $13,392-86.7% |