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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 | $184,573 | $124,175+48.6% | $108,405+70.3% | $167,536+10.2% |
| Participation rate | 60.0% | 82.3%-22.3pp | 80.1%-20.1pp | 82.1%-22.1pp |
| Annual return | 14.41% | 1380.13%-1365.7pp | 905.55%-891.1pp | 478.82%-464.4pp |
| Employer contribution / active EE | $2,093 | $4,188-50.0% | $3,559-41.2% | $4,839-56.8% |
| Participant deferral / active EE | $9,507 | $6,908+37.6% | $6,563+44.9% | $6,342+49.9% |
| Admin fee / account holder | $1,691 | $9,457-82.1% | $7,297-76.8% | $12,315-86.3% |