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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 | $75,518 | $65,434+15.4% | $98,483-23.3% | $85,847-12.0% |
| Participation rate | 47.7% | 65.0%-17.3pp | 73.3%-25.6pp | 69.3%-21.6pp |
| Annual return | 15.02% | 21.75%-6.7pp | 1494.38%-1479.4pp | 318.61%-303.6pp |
| Employer contribution / active EE | $3,084 | $2,169+42.2% | $2,961+4.2% | $2,565+20.2% |
| Participant deferral / active EE | $5,321 | $3,168+68.0% | $4,276+24.4% | $3,952+34.6% |
| Admin fee / account holder | $7,405 | $4,595+61.1% | $5,953+24.4% | $6,261+18.3% |