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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 | $88,754+44.7% | $81,820+56.9% | $145,877-12.0% |
| Participation rate | 66.7% | 75.1%-8.4pp | 72.4%-5.7pp | 80.3%-13.6pp |
| Annual return | 10.54% | 1031.77%-1021.2pp | 777.93%-767.4pp | 551.28%-540.7pp |
| Employer contribution / active EE | $22,606 | $3,085+632.7% | $2,915+675.5% | $4,663+384.8% |
| Participant deferral / active EE | $10,827 | $4,648+133.0% | $4,323+150.5% | $6,691+61.8% |
| Admin fee / account holder | $2,608 | $8,424-69.0% | $7,391-64.7% | $13,402-80.5% |