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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 | $69,398 | $107,363-35.4% | $92,909-25.3% | $152,897-54.6% |
| Participation rate | 62.5% | 79.8%-17.3pp | 76.0%-13.5pp | 82.5%-20.0pp |
| Annual return | 3238.16% | 145.63%+3092.5pp | 109.44%+3128.7pp | 345.43%+2892.7pp |
| Employer contribution / active EE | $2,239 | $4,222-47.0% | $3,653-38.7% | $4,764-53.0% |
| Participant deferral / active EE | $3,624 | $4,848-25.2% | $4,238-14.5% | $5,851-38.1% |
| Admin fee / account holder | $7,000 | $7,082-1.2% | $5,795+20.8% | $11,599-39.7% |