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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 | $42,295 | $202,342-79.1% | $172,753-75.5% | $152,909-72.3% |
| Participation rate | 58.3% | 87.1%-28.7pp | 82.6%-24.3pp | 82.5%-24.1pp |
| Annual return | 24.64% | 1029.88%-1005.2pp | 803.00%-778.4pp | 345.46%-320.8pp |
| Employer contribution / active EE | $3,392 | $5,857-42.1% | $5,144-34.1% | $4,764-28.8% |
| Participant deferral / active EE | $6,092 | $5,948+2.4% | $5,198+17.2% | $5,851+4.1% |
| Admin fee / account holder | $2,133 | $17,112-87.5% | $13,956-84.7% | $11,601-81.6% |