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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 | $26,070 | $175,259-85.1% | $149,723-82.6% | $139,487-81.3% |
| Participation rate | 63.6% | 83.4%-19.8pp | 78.8%-15.1pp | 80.3%-16.7pp |
| Annual return | 36.82% | 166.82%-130.0pp | 134.50%-97.7pp | 373.84%-337.0pp |
| Employer contribution / active EE | $8,673 | $5,478+58.3% | $4,821+79.9% | $4,755+82.4% |
| Participant deferral / active EE | $4,314 | $6,522-33.8% | $5,682-24.1% | $6,713-35.7% |
| Admin fee / account holder | $465 | $16,158-97.1% | $13,215-96.5% | $11,407-95.9% |