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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 | $116,687 | $129,737-10.1% | $119,126-2.0% | $154,746-24.6% |
| Participation rate | 42.9% | 78.9%-36.0pp | 75.8%-32.9pp | 80.7%-37.8pp |
| Annual return | 49.65% | 379.08%-329.4pp | 282.11%-232.5pp | 172.34%-122.7pp |
| Employer contribution / active EE | $3,109 | $4,375-28.9% | $4,034-22.9% | $4,379-29.0% |
| Participant deferral / active EE | $9,657 | $5,842+65.3% | $5,318+81.6% | $6,730+43.5% |
| Admin fee / account holder | $2,207 | $11,961-81.5% | $10,693-79.4% | $14,365-84.6% |