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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 | $202,342-70.1% | $172,753-64.9% | $152,909-60.4% |
| Participation rate | 60.0% | 87.1%-27.1pp | 82.6%-22.6pp | 82.5%-22.5pp |
| Annual return | 21.31% | 1029.88%-1008.6pp | 803.00%-781.7pp | 345.46%-324.2pp |
| Employer contribution / active EE | $4,226 | $5,857-27.8% | $5,144-17.8% | $4,764-11.3% |
| Participant deferral / active EE | $2,772 | $5,948-53.4% | $5,198-46.7% | $5,851-52.6% |
| Admin fee / account holder | $484 | $17,112-97.2% | $13,956-96.5% | $11,601-95.8% |