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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 | $76,522-71.1% | $56,033-60.6% | $145,884-84.8% |
| Participation rate | 59.1% | 63.2%-4.1pp | 52.5%+6.6pp | 80.3%-21.2pp |
| Annual return | 97.28% | 3014.28%-2917.0pp | 1711.38%-1614.1pp | 551.85%-454.6pp |
| Employer contribution / active EE | $1,624 | $1,382+17.5% | $1,041+56.0% | $4,662-65.2% |
| Participant deferral / active EE | $3,210 | $2,624+22.3% | $1,954+64.3% | $6,690-52.0% |
| Admin fee / account holder | $305 | $3,328-90.8% | $2,827-89.2% | $13,392-97.7% |