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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 | $197,952 | $58,391+239.0% | $76,667+158.2% | $72,976+171.3% |
| Participation rate | 24.1% | 67.4%-43.2pp | 72.1%-48.0pp | 69.5%-45.4pp |
| Annual return | 25.39% | 2306.65%-2281.3pp | 1166.74%-1141.3pp | 81.02%-55.6pp |
| Employer contribution / active EE | $5,021 | $1,787+181.0% | $2,303+118.0% | $2,440+105.8% |
| Participant deferral / active EE | $5,901 | $2,690+119.3% | $3,336+76.9% | $3,608+63.6% |
| Admin fee / account holder | $2,984 | $4,014-25.7% | $6,423-53.5% | $5,124-41.8% |