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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 | $226,403 | $138,114+63.9% | $125,391+80.6% | $134,545+68.3% |
| Participation rate | 44.4% | 84.5%-40.1pp | 82.4%-37.9pp | 81.2%-36.8pp |
| Annual return | -9.82% | 750.88%-760.7pp | 572.41%-582.2pp | 418.37%-428.2pp |
| Employer contribution / active EE | $7,922 | $5,246+51.0% | $4,816+64.5% | $4,742+67.1% |
| Participant deferral / active EE | $6,920 | $7,801-11.3% | $7,448-7.1% | $6,401+8.1% |
| Admin fee / account holder | $1,220 | $11,570-89.5% | $10,009-87.8% | $11,431-89.3% |