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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 | $67,412 | $202,342-66.7% | $172,753-61.0% | $152,909-55.9% |
| Participation rate | 58.3% | 87.1%-28.7pp | 82.6%-24.3pp | 82.5%-24.1pp |
| Annual return | 19.50% | 1029.88%-1010.4pp | 803.00%-783.5pp | 345.46%-326.0pp |
| Employer contribution / active EE | $1,524 | $5,857-74.0% | $5,144-70.4% | $4,764-68.0% |
| Participant deferral / active EE | $2,358 | $5,948-60.4% | $5,198-54.6% | $5,851-59.7% |
| Admin fee / account holder | $11,926 | $17,112-30.3% | $13,956-14.5% | $11,601+2.8% |