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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 | $42,494 | $202,345-79.0% | $172,755-75.4% | $152,885-72.2% |
| Participation rate | 60.0% | 87.1%-27.1pp | 82.6%-22.6pp | 82.5%-22.5pp |
| Annual return | 26.75% | 1029.77%-1003.0pp | 802.94%-776.2pp | 345.39%-318.6pp |
| Employer contribution / active EE | $2,294 | $5,858-60.8% | $5,144-55.4% | $4,763-51.8% |
| Participant deferral / active EE | $5,793 | $5,948-2.6% | $5,198+11.5% | $5,851-1.0% |
| Admin fee / account holder | $14,432 | $17,111-15.7% | $13,955+3.4% | $11,598+24.4% |