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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 | $202,342-81.3% | $172,753-78.1% | $152,909-75.2% |
| Participation rate | 56.5% | 87.1%-30.5pp | 82.6%-26.1pp | 82.5%-25.9pp |
| Annual return | 24.06% | 1029.88%-1005.8pp | 803.00%-778.9pp | 345.46%-321.4pp |
| Employer contribution / active EE | $1,782 | $5,857-69.6% | $5,144-65.3% | $4,764-62.6% |
| Participant deferral / active EE | $3,871 | $5,948-34.9% | $5,198-25.5% | $5,851-33.8% |
| Admin fee / account holder | $565 | $17,112-96.7% | $13,956-95.9% | $11,601-95.1% |