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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 | $37,862 | $202,326-81.3% | $172,745-78.1% | $152,870-75.2% |
| Participation rate | 56.5% | 87.1%-30.5pp | 82.6%-26.1pp | 82.4%-25.9pp |
| Annual return | 24.06% | 1029.72%-1005.7pp | 802.90%-778.8pp | 345.34%-321.3pp |
| Employer contribution / active EE | $1,782 | $5,858-69.6% | $5,144-65.4% | $4,763-62.6% |
| Participant deferral / active EE | $3,871 | $5,948-34.9% | $5,197-25.5% | $5,850-33.8% |
| Admin fee / account holder | $565 | $17,110-96.7% | $13,954-95.9% | $11,597-95.1% |