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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 | $64,542 | $202,342-68.1% | $172,752-62.6% | $152,897-57.8% |
| Participation rate | 57.1% | 87.1%-29.9pp | 82.6%-25.5pp | 82.5%-25.3pp |
| Annual return | 24.52% | 1029.83%-1005.3pp | 802.97%-778.5pp | 345.43%-320.9pp |
| Employer contribution / active EE | $2,114 | $5,858-63.9% | $5,144-58.9% | $4,764-55.6% |
| Participant deferral / active EE | $4,132 | $5,948-30.5% | $5,198-20.5% | $5,851-29.4% |
| Admin fee / account holder | $770 | $17,111-95.5% | $13,955-94.5% | $11,599-93.4% |