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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 | $128,408 | $88,815+44.6% | $81,882+56.8% | $145,897-12.0% |
| Participation rate | 66.7% | 75.1%-8.4pp | 72.4%-5.7pp | 80.3%-13.6pp |
| Annual return | 10.54% | 1033.75%-1023.2pp | 779.47%-768.9pp | 552.29%-541.8pp |
| Employer contribution / active EE | $22,606 | $3,086+632.5% | $2,916+675.2% | $4,663+384.8% |
| Participant deferral / active EE | $10,827 | $4,647+133.0% | $4,323+150.4% | $6,689+61.9% |
| Admin fee / account holder | $2,608 | $8,434-69.1% | $7,360-64.6% | $13,390-80.5% |