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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 | $124,261 | $109,905+13.1% | $98,506+26.1% | $167,553-25.8% |
| Participation rate | 60.0% | 75.8%-15.8pp | 73.3%-13.3pp | 82.1%-22.1pp |
| Annual return | 14.48% | 1960.20%-1945.7pp | 1494.92%-1480.4pp | 478.89%-464.4pp |
| Employer contribution / active EE | $1,730 | $3,226-46.4% | $2,961-41.6% | $4,840-64.2% |
| Participant deferral / active EE | $2,067 | $4,674-55.8% | $4,277-51.7% | $6,343-67.4% |
| Admin fee / account holder | $1,004 | $6,760-85.2% | $5,955-83.1% | $12,316-91.8% |