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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 | $152,182 | $202,342-24.8% | $172,752-11.9% | $152,897-0.5% |
| Participation rate | 58.3% | 87.1%-28.7pp | 82.6%-24.3pp | 82.5%-24.1pp |
| Annual return | 16.74% | 1029.83%-1013.1pp | 802.97%-786.2pp | 345.43%-328.7pp |
| Employer contribution / active EE | $2,430 | $5,858-58.5% | $5,144-52.8% | $4,764-49.0% |
| Participant deferral / active EE | $6,821 | $5,948+14.7% | $5,198+31.2% | $5,851+16.6% |
| Admin fee / account holder | $4,355 | $17,111-74.5% | $13,955-68.8% | $11,599-62.5% |