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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 | $51,784 | $76,522-32.3% | $56,033-7.6% | $145,884-64.5% |
| Participation rate | 65.0% | 63.2%+1.8pp | 52.5%+12.5pp | 80.3%-15.3pp |
| Annual return | 10.09% | 3014.28%-3004.2pp | 1711.38%-1701.3pp | 551.85%-541.8pp |
| Employer contribution / active EE | $2,794 | $1,382+102.2% | $1,041+168.5% | $4,662-40.1% |
| Participant deferral / active EE | $2,639 | $2,624+0.6% | $1,954+35.1% | $6,690-60.5% |
| Admin fee / account holder | $1,862 | $3,328-44.1% | $2,827-34.1% | $13,392-86.1% |