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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 | $143,895 | $209,888-31.4% | $189,545-24.1% | $167,553-14.1% |
| Participation rate | 66.7% | 88.7%-22.0pp | 87.8%-21.1pp | 82.1%-15.4pp |
| Annual return | 15.21% | 748.66%-733.4pp | 555.36%-540.1pp | 478.89%-463.7pp |
| Employer contribution / active EE | $1,953 | $6,915-71.8% | $6,162-68.3% | $4,840-59.6% |
| Participant deferral / active EE | $7,402 | $8,934-17.1% | $8,220-10.0% | $6,343+16.7% |
| Admin fee / account holder | $9,268 | $14,300-35.2% | $12,049-23.1% | $12,316-24.8% |