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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 | $39,240 | $202,345-80.6% | $172,755-77.3% | $152,885-74.3% |
| Participation rate | 66.7% | 87.1%-20.4pp | 82.6%-16.0pp | 82.5%-15.8pp |
| Annual return | 25.52% | 1029.77%-1004.3pp | 802.94%-777.4pp | 345.39%-319.9pp |
| Employer contribution / active EE | $2,169 | $5,858-63.0% | $5,144-57.8% | $4,763-54.5% |
| Participant deferral / active EE | $5,287 | $5,948-11.1% | $5,198+1.7% | $5,851-9.6% |
| Admin fee / account holder | $4,162 | $17,111-75.7% | $13,955-70.2% | $11,598-64.1% |