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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 | $93,688 | $202,345-53.7% | $172,755-45.8% | $152,885-38.7% |
| Participation rate | 58.3% | 87.1%-28.7pp | 82.6%-24.3pp | 82.5%-24.1pp |
| Annual return | 28.68% | 1029.77%-1001.1pp | 802.94%-774.3pp | 345.39%-316.7pp |
| Employer contribution / active EE | $8,194 | $5,858+39.9% | $5,144+59.3% | $4,763+72.0% |
| Participant deferral / active EE | $5,237 | $5,948-12.0% | $5,198+0.7% | $5,851-10.5% |
| Admin fee / account holder | $301 | $17,111-98.2% | $13,955-97.8% | $11,598-97.4% |