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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 | $213,495 | $76,519+179.0% | $56,025+281.1% | $145,897+46.3% |
| Participation rate | 69.2% | 63.2%+6.0pp | 52.5%+16.7pp | 80.3%-11.1pp |
| Annual return | 15.34% | 3017.03%-3001.7pp | 1712.69%-1697.3pp | 552.29%-537.0pp |
| Employer contribution / active EE | $1,967 | $1,383+42.2% | $1,042+88.9% | $4,663-57.8% |
| Participant deferral / active EE | $6,487 | $2,624+147.2% | $1,955+231.9% | $6,689-3.0% |
| Admin fee / account holder | $2,064 | $3,331-38.0% | $2,828-27.0% | $13,390-84.6% |