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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 | $119,076 | $102,696+15.9% | $86,235+38.1% | $139,487-14.6% |
| Participation rate | 25.0% | 74.5%-49.5pp | 69.0%-44.0pp | 80.3%-55.3pp |
| Annual return | 18.89% | 1925.91%-1907.0pp | 1170.03%-1151.1pp | 373.84%-354.9pp |
| Employer contribution / active EE | $1,435 | $3,034-52.7% | $2,381-39.7% | $4,755-69.8% |
| Participant deferral / active EE | $4,463 | $4,679-4.6% | $3,987+11.9% | $6,713-33.5% |
| Admin fee / account holder | $1,494 | $8,667-82.8% | $6,856-78.2% | $11,407-86.9% |