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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 | $101,429 | $202,342-49.9% | $172,752-41.3% | $152,897-33.7% |
| Participation rate | 52.9% | 87.1%-34.1pp | 82.6%-29.7pp | 82.5%-29.5pp |
| Annual return | 16.76% | 1029.83%-1013.1pp | 802.97%-786.2pp | 345.43%-328.7pp |
| Employer contribution / active EE | $1,976 | $5,858-66.3% | $5,144-61.6% | $4,764-58.5% |
| Participant deferral / active EE | $4,338 | $5,948-27.1% | $5,198-16.5% | $5,851-25.9% |
| Admin fee / account holder | $38,944 | $17,111+127.6% | $13,955+179.1% | $11,599+235.7% |