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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 | $118,017 | $102,663+15.0% | $86,216+36.9% | $139,466-15.4% |
| Participation rate | 36.8% | 74.5%-37.7pp | 69.0%-32.1pp | 80.3%-43.5pp |
| Annual return | 18.43% | 1924.52%-1906.1pp | 1169.42%-1151.0pp | 373.66%-355.2pp |
| Employer contribution / active EE | $2,358 | $3,035-22.3% | $2,382-1.0% | $4,754-50.4% |
| Participant deferral / active EE | $5,896 | $4,677+26.1% | $3,986+47.9% | $6,712-12.2% |
| Admin fee / account holder | $487 | $8,663-94.4% | $6,853-92.9% | $11,409-95.7% |