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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 | $60,554 | $202,326-70.1% | $172,745-64.9% | $152,870-60.4% |
| Participation rate | 60.0% | 87.1%-27.1pp | 82.6%-22.6pp | 82.4%-22.4pp |
| Annual return | 21.31% | 1029.72%-1008.4pp | 802.90%-781.6pp | 345.34%-324.0pp |
| Employer contribution / active EE | $4,226 | $5,858-27.9% | $5,144-17.8% | $4,763-11.3% |
| Participant deferral / active EE | $2,772 | $5,948-53.4% | $5,197-46.7% | $5,850-52.6% |
| Admin fee / account holder | $484 | $17,110-97.2% | $13,954-96.5% | $11,597-95.8% |