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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 | $73,081 | $101,063-27.7% | $81,473-10.3% | $147,586-50.5% |
| Participation rate | 50.0% | 74.5%-24.5pp | 68.0%-18.0pp | 82.8%-32.8pp |
| Annual return | 4306.93% | 32.41%+4274.5pp | 38.78%+4268.1pp | 578.59%+3728.3pp |
| Employer contribution / active EE | $5,100 | $3,206+59.1% | $2,568+98.6% | $4,876+4.6% |
| Participant deferral / active EE | $9,788 | $4,242+130.7% | $3,537+176.7% | $5,439+80.0% |
| Admin fee / account holder | $380 | $5,812-93.5% | $4,561-91.7% | $10,886-96.5% |