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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 | $174,175 | $180,749-3.6% | $160,784+8.3% | $137,256+26.9% |
| Participation rate | 66.7% | 80.0%-13.3pp | 77.0%-10.3pp | 80.0%-13.3pp |
| Annual return | 15.76% | 2234.46%-2218.7pp | 1803.92%-1788.2pp | 220.34%-204.6pp |
| Employer contribution / active EE | $4,815 | $4,155+15.9% | $3,733+29.0% | $4,156+15.9% |
| Participant deferral / active EE | $23,472 | $6,844+242.9% | $6,293+273.0% | $6,407+266.4% |
| Admin fee / account holder | $1,177 | $10,397-88.7% | $9,717-87.9% | $12,270-90.4% |