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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 | $102,165 | $65,423+56.2% | $98,477+3.7% | $85,856+19.0% |
| Participation rate | 55.6% | 65.0%-9.5pp | 73.3%-17.8pp | 69.3%-13.8pp |
| Annual return | 14.08% | 21.76%-7.7pp | 1493.59%-1479.5pp | 318.58%-304.5pp |
| Employer contribution / active EE | $5,222 | $2,168+140.8% | $2,961+76.4% | $2,565+103.6% |
| Participant deferral / active EE | $1,437 | $3,167-54.6% | $4,276-66.4% | $3,952-63.6% |
| Admin fee / account holder | $8,748 | $4,594+90.4% | $5,951+47.0% | $6,261+39.7% |