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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 | $9,606 | $156,963-93.9% | $121,204-92.1% | $139,466-93.1% |
| Participation rate | 62.5% | 76.5%-14.0pp | 69.5%-7.0pp | 80.3%-17.8pp |
| Annual return | 339.72% | 1476.75%-1137.0pp | 987.18%-647.5pp | 373.66%-33.9pp |
| Employer contribution / active EE | $2,613 | $5,544-52.9% | $4,170-37.3% | $4,754-45.0% |
| Participant deferral / active EE | $6,966 | $4,848+43.7% | $4,083+70.6% | $6,712+3.8% |
| Admin fee / account holder | $1,658 | $6,953-76.2% | $5,651-70.7% | $11,409-85.5% |