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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 | $78,941 | $202,345-61.0% | $172,755-54.3% | $152,885-48.4% |
| Participation rate | 50.0% | 87.1%-37.1pp | 82.6%-32.6pp | 82.5%-32.5pp |
| Annual return | 24.01% | 1029.77%-1005.8pp | 802.94%-778.9pp | 345.39%-321.4pp |
| Employer contribution / active EE | $1,590 | $5,858-72.9% | $5,144-69.1% | $4,763-66.6% |
| Participant deferral / active EE | $5,123 | $5,948-13.9% | $5,198-1.4% | $5,851-12.4% |
| Admin fee / account holder | $604 | $17,111-96.5% | $13,955-95.7% | $11,598-94.8% |