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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 | $133,015 | $88,754+49.9% | $81,820+62.6% | $145,877-8.8% |
| Participation rate | 58.3% | 75.1%-16.7pp | 72.4%-14.1pp | 80.3%-22.0pp |
| Annual return | 13.25% | 1031.77%-1018.5pp | 777.93%-764.7pp | 551.28%-538.0pp |
| Employer contribution / active EE | $2,167 | $3,085-29.8% | $2,915-25.7% | $4,663-53.5% |
| Participant deferral / active EE | $8,567 | $4,648+84.3% | $4,323+98.2% | $6,691+28.0% |
| Admin fee / account holder | $4,479 | $8,424-46.8% | $7,391-39.4% | $13,402-66.6% |