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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 | $84,370 | $202,345-58.3% | $172,755-51.2% | $152,885-44.8% |
| Participation rate | 64.7% | 87.1%-22.4pp | 82.6%-17.9pp | 82.5%-17.7pp |
| Annual return | 23.71% | 1029.77%-1006.1pp | 802.94%-779.2pp | 345.39%-321.7pp |
| Employer contribution / active EE | $5,222 | $5,858-10.9% | $5,144+1.5% | $4,763+9.6% |
| Participant deferral / active EE | $6,158 | $5,948+3.5% | $5,198+18.5% | $5,851+5.3% |
| Admin fee / account holder | $3,110 | $17,111-81.8% | $13,955-77.7% | $11,598-73.2% |