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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 | $86,283 | $88,710-2.7% | $81,783+5.5% | $145,959-40.9% |
| Participation rate | 25.0% | 75.0%-50.0pp | 72.4%-47.4pp | 80.3%-55.3pp |
| Annual return | 44.26% | 1027.26%-983.0pp | 775.05%-730.8pp | 561.95%-517.7pp |
| Employer contribution / active EE | $1,113 | $3,083-63.9% | $2,913-61.8% | $4,661-76.1% |
| Participant deferral / active EE | $1,637 | $4,645-64.8% | $4,320-62.1% | $6,689-75.5% |
| Admin fee / account holder | $6,719 | $8,407-20.1% | $7,380-9.0% | $13,398-49.8% |