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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 | $105,310 | $202,342-48.0% | $172,753-39.0% | $152,909-31.1% |
| Participation rate | 50.0% | 87.1%-37.1pp | 82.6%-32.6pp | 82.5%-32.5pp |
| Annual return | 28.26% | 1029.88%-1001.6pp | 803.00%-774.7pp | 345.46%-317.2pp |
| Employer contribution / active EE | $2,400 | $5,857-59.0% | $5,144-53.3% | $4,764-49.6% |
| Participant deferral / active EE | $6,810 | $5,948+14.5% | $5,198+31.0% | $5,851+16.4% |
| Admin fee / account holder | $2,052 | $17,112-88.0% | $13,956-85.3% | $11,601-82.3% |