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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 | $81,826 | $150,447-45.6% | $136,298-40.0% | $147,586-44.6% |
| Participation rate | 18.8% | 84.4%-65.7pp | 81.9%-63.2pp | 82.8%-64.1pp |
| Annual return | 12.90% | 1049.15%-1036.3pp | 5156.27%-5143.4pp | 578.59%-565.7pp |
| Employer contribution / active EE | $1,671 | $5,256-68.2% | $4,696-64.4% | $4,876-65.7% |
| Participant deferral / active EE | $2,880 | $6,631-56.6% | $6,247-53.9% | $5,439-47.0% |
| Admin fee / account holder | $3,217 | $10,906-70.5% | $9,244-65.2% | $10,886-70.4% |