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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 | $91,819 | $202,342-54.6% | $172,753-46.8% | $152,909-40.0% |
| Participation rate | 17.6% | 87.1%-69.4pp | 82.6%-65.0pp | 82.5%-64.8pp |
| Annual return | 21.26% | 1029.88%-1008.6pp | 803.00%-781.7pp | 345.46%-324.2pp |
| Employer contribution / active EE | $0 | $5,857-100.0% | $5,144-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $3,353 | $5,948-43.6% | $5,198-35.5% | $5,851-42.7% |
| Admin fee / account holder | $1,155 | $17,112-93.3% | $13,956-91.7% | $11,601-90.0% |