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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 | $94,268 | $202,342-53.4% | $172,753-45.4% | $152,909-38.4% |
| Participation rate | 54.5% | 87.1%-32.5pp | 82.6%-28.1pp | 82.5%-27.9pp |
| Annual return | 20.87% | 1029.88%-1009.0pp | 803.00%-782.1pp | 345.46%-324.6pp |
| Employer contribution / active EE | $2,170 | $5,857-63.0% | $5,144-57.8% | $4,764-54.4% |
| Participant deferral / active EE | $2,714 | $5,948-54.4% | $5,198-47.8% | $5,851-53.6% |
| Admin fee / account holder | $4,489 | $17,112-73.8% | $13,956-67.8% | $11,601-61.3% |