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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 | $27,444 | $76,522-64.1% | $56,033-51.0% | $145,884-81.2% |
| Participation rate | 62.5% | 63.2%-0.7pp | 52.5%+10.0pp | 80.3%-17.8pp |
| Annual return | 12.17% | 3014.28%-3002.1pp | 1711.38%-1699.2pp | 551.85%-539.7pp |
| Employer contribution / active EE | $2,253 | $1,382+63.0% | $1,041+116.4% | $4,662-51.7% |
| Participant deferral / active EE | $3,708 | $2,624+41.3% | $1,954+89.8% | $6,690-44.6% |
| Admin fee / account holder | $1,091 | $3,328-67.2% | $2,827-61.4% | $13,392-91.9% |