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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 | $141,626 | $202,342-30.0% | $172,752-18.0% | $152,897-7.4% |
| Participation rate | 66.7% | 87.1%-20.4pp | 82.6%-16.0pp | 82.5%-15.8pp |
| Annual return | 30.75% | 1029.83%-999.1pp | 802.97%-772.2pp | 345.43%-314.7pp |
| Employer contribution / active EE | $13,108 | $5,858+123.8% | $5,144+154.8% | $4,764+175.2% |
| Participant deferral / active EE | $8,333 | $5,948+40.1% | $5,198+60.3% | $5,851+42.4% |
| Admin fee / account holder | $495 | $17,111-97.1% | $13,955-96.5% | $11,599-95.7% |