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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 | $150,613 | $202,342-25.6% | $172,753-12.8% | $152,909-1.5% |
| Participation rate | 52.4% | 87.1%-34.7pp | 82.6%-30.3pp | 82.5%-30.1pp |
| Annual return | 18.80% | 1029.88%-1011.1pp | 803.00%-784.2pp | 345.46%-326.7pp |
| Employer contribution / active EE | $1,883 | $5,857-67.9% | $5,144-63.4% | $4,764-60.5% |
| Participant deferral / active EE | $4,195 | $5,948-29.5% | $5,198-19.3% | $5,851-28.3% |
| Admin fee / account holder | $315 | $17,112-98.2% | $13,956-97.7% | $11,601-97.3% |