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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 | $175,575 | $81,749+114.8% | $58,544+199.9% | $139,456+25.9% |
| Participation rate | 69.2% | 61.3%+7.9pp | 50.9%+18.4pp | 80.3%-11.1pp |
| Annual return | 17.40% | 7425.45%-7408.0pp | 4249.56%-4232.2pp | 373.45%-356.0pp |
| Employer contribution / active EE | $2,175 | $1,398+55.6% | $1,053+106.5% | $4,753-54.2% |
| Participant deferral / active EE | $7,010 | $2,555+174.4% | $1,923+264.6% | $6,711+4.5% |
| Admin fee / account holder | $1,551 | $3,272-52.6% | $2,520-38.4% | $11,407-86.4% |