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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 | $22,105 | $76,608-71.1% | $56,077-60.6% | $145,877-84.8% |
| Participation rate | 59.1% | 63.2%-4.2pp | 52.5%+6.6pp | 80.3%-21.2pp |
| Annual return | 97.28% | 3009.59%-2912.3pp | 1709.28%-1612.0pp | 551.28%-454.0pp |
| Employer contribution / active EE | $1,624 | $1,382+17.5% | $1,040+56.1% | $4,663-65.2% |
| Participant deferral / active EE | $3,210 | $2,624+22.3% | $1,954+64.3% | $6,691-52.0% |
| Admin fee / account holder | $305 | $3,325-90.8% | $2,825-89.2% | $13,402-97.7% |