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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 | $99,629 | $202,345-50.8% | $172,755-42.3% | $152,885-34.8% |
| Participation rate | 66.7% | 87.1%-20.4pp | 82.6%-16.0pp | 82.5%-15.8pp |
| Annual return | 23.48% | 1029.77%-1006.3pp | 802.94%-779.5pp | 345.39%-321.9pp |
| Employer contribution / active EE | $2,485 | $5,858-57.6% | $5,144-51.7% | $4,763-47.8% |
| Participant deferral / active EE | $7,561 | $5,948+27.1% | $5,198+45.5% | $5,851+29.2% |
| Admin fee / account holder | $1,488 | $17,111-91.3% | $13,955-89.3% | $11,598-87.2% |