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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 | $16,103 | $76,522-79.0% | $56,033-71.3% | $145,884-89.0% |
| Participation rate | 66.7% | 63.2%+3.4pp | 52.5%+14.2pp | 80.3%-13.6pp |
| Annual return | 15.46% | 3014.28%-2998.8pp | 1711.38%-1695.9pp | 551.85%-536.4pp |
| Employer contribution / active EE | $2,038 | $1,382+47.4% | $1,041+95.8% | $4,662-56.3% |
| Participant deferral / active EE | $3,263 | $2,624+24.4% | $1,954+67.0% | $6,690-51.2% |
| Admin fee / account holder | $2,388 | $3,328-28.3% | $2,827-15.5% | $13,392-82.2% |