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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 | $41,121 | $202,342-79.7% | $172,753-76.2% | $152,909-73.1% |
| Participation rate | 65.0% | 87.1%-22.1pp | 82.6%-17.6pp | 82.5%-17.5pp |
| Annual return | 24.81% | 1029.88%-1005.1pp | 803.00%-778.2pp | 345.46%-320.7pp |
| Employer contribution / active EE | $3,505 | $5,857-40.2% | $5,144-31.9% | $4,764-26.4% |
| Participant deferral / active EE | $3,255 | $5,948-45.3% | $5,198-37.4% | $5,851-44.4% |
| Admin fee / account holder | $7,277 | $17,112-57.5% | $13,956-47.9% | $11,601-37.3% |