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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 | $123,791 | $202,342-38.8% | $172,752-28.3% | $152,897-19.0% |
| Participation rate | 60.0% | 87.1%-27.1pp | 82.6%-22.6pp | 82.5%-22.5pp |
| Annual return | 22.18% | 1029.83%-1007.6pp | 802.97%-780.8pp | 345.43%-323.2pp |
| Employer contribution / active EE | $1,941 | $5,858-66.9% | $5,144-62.3% | $4,764-59.2% |
| Participant deferral / active EE | $11,811 | $5,948+98.6% | $5,198+127.2% | $5,851+101.9% |
| Admin fee / account holder | $3,765 | $17,111-78.0% | $13,955-73.0% | $11,599-67.5% |