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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 | $110,747 | $84,685+30.8% | $73,836+50.0% | $125,389-11.7% |
| Participation rate | 69.6% | 76.8%-7.2pp | 73.4%-3.9pp | 83.2%-13.6pp |
| Annual return | 0.48% | 3123.80%-3123.3pp | 2268.06%-2267.6pp | 282.24%-281.8pp |
| Employer contribution / active EE | $3,324 | $3,123+6.4% | $2,787+19.2% | $4,866-31.7% |
| Participant deferral / active EE | $7,360 | $3,993+84.4% | $3,583+105.4% | $5,352+37.5% |
| Admin fee / account holder | $4,326 | $5,694-24.0% | $4,882-11.4% | $9,541-54.7% |