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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 | $29,053 | $156,970-81.5% | $121,210-76.0% | $139,487-79.2% |
| Participation rate | 63.2% | 76.5%-13.3pp | 69.5%-6.4pp | 80.3%-17.2pp |
| Annual return | 37.54% | 1477.10%-1439.6pp | 987.41%-949.9pp | 373.84%-336.3pp |
| Employer contribution / active EE | $7,918 | $5,546+42.8% | $4,171+89.9% | $4,755+66.5% |
| Participant deferral / active EE | $5,096 | $4,849+5.1% | $4,084+24.8% | $6,713-24.1% |
| Admin fee / account holder | $1,595 | $6,947-77.0% | $5,647-71.7% | $11,407-86.0% |