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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 | $111,590 | $202,342-44.9% | $172,753-35.4% | $152,909-27.0% |
| Participation rate | 50.0% | 87.1%-37.1pp | 82.6%-32.6pp | 82.5%-32.5pp |
| Annual return | 22.70% | 1029.88%-1007.2pp | 803.00%-780.3pp | 345.46%-322.8pp |
| Employer contribution / active EE | $1,821 | $5,857-68.9% | $5,144-64.6% | $4,764-61.8% |
| Participant deferral / active EE | $4,531 | $5,948-23.8% | $5,198-12.8% | $5,851-22.6% |
| Admin fee / account holder | $1,846 | $17,112-89.2% | $13,956-86.8% | $11,601-84.1% |