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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 | $97,940 | $202,342-51.6% | $172,753-43.3% | $152,909-35.9% |
| Participation rate | 63.6% | 87.1%-23.4pp | 82.6%-19.0pp | 82.5%-18.8pp |
| Annual return | 26.82% | 1029.88%-1003.1pp | 803.00%-776.2pp | 345.46%-318.6pp |
| Employer contribution / active EE | $2,209 | $5,857-62.3% | $5,144-57.1% | $4,764-53.6% |
| Participant deferral / active EE | $6,005 | $5,948+1.0% | $5,198+15.5% | $5,851+2.6% |
| Admin fee / account holder | $431 | $17,112-97.5% | $13,956-96.9% | $11,601-96.3% |