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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 | $240,490 | $150,446+59.9% | $136,297+76.4% | $147,585+62.9% |
| Participation rate | 33.3% | 84.4%-51.1pp | 81.9%-48.6pp | 82.8%-49.5pp |
| Annual return | 16.26% | 1049.14%-1032.9pp | 5156.19%-5139.9pp | 578.58%-562.3pp |
| Employer contribution / active EE | $2,080 | $5,256-60.4% | $4,696-55.7% | $4,876-57.3% |
| Participant deferral / active EE | $8,000 | $6,631+20.7% | $6,247+28.1% | $5,439+47.1% |
| Admin fee / account holder | $3,531 | $10,906-67.6% | $9,244-61.8% | $10,886-67.6% |