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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 | $41,601 | $29,736+39.9% | $56,033-25.8% | $80,935-48.6% |
| Participation rate | 65.0% | 41.7%+23.3pp | 52.5%+12.5pp | 67.7%-2.7pp |
| Annual return | 102.69% | 35.28%+67.4pp | 1711.38%-1608.7pp | 35.66%+67.0pp |
| Employer contribution / active EE | $2,010 | $671+199.3% | $1,041+93.1% | $2,757-27.1% |
| Participant deferral / active EE | $3,992 | $1,228+225.0% | $1,954+104.3% | $4,299-7.1% |
| Admin fee / account holder | $1,200 | $2,434-50.7% | $2,827-57.5% | $6,924-82.7% |