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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 | $170,556 | $99,011+72.3% | $86,582+97.0% | $147,586+15.6% |
| Participation rate | 47.1% | 76.3%-29.3pp | 73.5%-26.5pp | 82.8%-35.8pp |
| Annual return | 21.15% | 1312.75%-1291.6pp | 965.08%-943.9pp | 578.59%-557.4pp |
| Employer contribution / active EE | $991 | $3,132-68.3% | $2,839-65.1% | $4,876-79.7% |
| Participant deferral / active EE | $2,140 | $3,972-46.1% | $3,609-40.7% | $5,439-60.7% |
| Admin fee / account holder | $8,696 | $5,709+52.3% | $4,904+77.3% | $10,886-20.1% |