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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 | $85,966 | $88,778-3.2% | $81,844+5.0% | $145,884-41.1% |
| Participation rate | 66.7% | 75.1%-8.4pp | 72.4%-5.7pp | 80.3%-13.6pp |
| Annual return | 23.31% | 1033.03%-1009.7pp | 778.87%-755.6pp | 551.85%-528.5pp |
| Employer contribution / active EE | $11,720 | $3,087+279.7% | $2,916+301.9% | $4,662+151.4% |
| Participant deferral / active EE | $9,049 | $4,648+94.7% | $4,323+109.3% | $6,690+35.3% |
| Admin fee / account holder | $2,694 | $8,430-68.0% | $7,355-63.4% | $13,392-79.9% |