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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 | $130,319 | $202,342-35.6% | $172,753-24.6% | $152,909-14.8% |
| Participation rate | 64.7% | 87.1%-22.4pp | 82.6%-17.9pp | 82.5%-17.7pp |
| Annual return | 25.69% | 1029.88%-1004.2pp | 803.00%-777.3pp | 345.46%-319.8pp |
| Employer contribution / active EE | $4,489 | $5,857-23.4% | $5,144-12.7% | $4,764-5.8% |
| Participant deferral / active EE | $4,103 | $5,948-31.0% | $5,198-21.1% | $5,851-29.9% |
| Admin fee / account holder | $1,517 | $17,112-91.1% | $13,956-89.1% | $11,601-86.9% |