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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 | $120,424 | $202,342-40.5% | $172,753-30.3% | $152,909-21.2% |
| Participation rate | 66.7% | 87.1%-20.4pp | 82.6%-16.0pp | 82.5%-15.8pp |
| Annual return | 21.63% | 1029.88%-1008.2pp | 803.00%-781.4pp | 345.46%-323.8pp |
| Employer contribution / active EE | $4,932 | $5,857-15.8% | $5,144-4.1% | $4,764+3.5% |
| Participant deferral / active EE | $5,824 | $5,948-2.1% | $5,198+12.1% | $5,851-0.5% |
| Admin fee / account holder | $4,452 | $17,112-74.0% | $13,956-68.1% | $11,601-61.6% |