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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 | $85,892 | $109,905-21.8% | $98,506-12.8% | $167,553-48.7% |
| Participation rate | 60.0% | 75.8%-15.8pp | 73.3%-13.3pp | 82.1%-22.1pp |
| Annual return | 20.39% | 1960.20%-1939.8pp | 1494.92%-1474.5pp | 478.89%-458.5pp |
| Employer contribution / active EE | $1,465 | $3,226-54.6% | $2,961-50.5% | $4,840-69.7% |
| Participant deferral / active EE | $4,327 | $4,674-7.4% | $4,277+1.2% | $6,343-31.8% |
| Admin fee / account holder | $808 | $6,760-88.0% | $5,955-86.4% | $12,316-93.4% |