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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 | $103,991 | $150,447-30.9% | $136,298-23.7% | $147,586-29.5% |
| Participation rate | 57.1% | 84.4%-27.3pp | 81.9%-24.8pp | 82.8%-25.7pp |
| Annual return | 22.42% | 1049.15%-1026.7pp | 5156.27%-5133.8pp | 578.59%-556.2pp |
| Employer contribution / active EE | $1,447 | $5,256-72.5% | $4,696-69.2% | $4,876-70.3% |
| Participant deferral / active EE | $7,840 | $6,631+18.2% | $6,247+25.5% | $5,439+44.1% |
| Admin fee / account holder | $2,481 | $10,906-77.2% | $9,244-73.2% | $10,886-77.2% |