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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 | $247,277 | $202,342+22.2% | $172,752+43.1% | $152,897+61.7% |
| Participation rate | 50.0% | 87.1%-37.1pp | 82.6%-32.6pp | 82.5%-32.5pp |
| Annual return | 24.98% | 1029.83%-1004.8pp | 802.97%-778.0pp | 345.43%-320.5pp |
| Employer contribution / active EE | $1,944 | $5,858-66.8% | $5,144-62.2% | $4,764-59.2% |
| Participant deferral / active EE | $4,802 | $5,948-19.3% | $5,198-7.6% | $5,851-17.9% |
| Admin fee / account holder | $12,810 | $17,111-25.1% | $13,955-8.2% | $11,599+10.4% |