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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 | $86,536 | $202,345-57.2% | $172,755-49.9% | $152,885-43.4% |
| Participation rate | 64.7% | 87.1%-22.4pp | 82.6%-17.9pp | 82.5%-17.7pp |
| Annual return | 15.79% | 1029.77%-1014.0pp | 802.94%-787.1pp | 345.39%-329.6pp |
| Employer contribution / active EE | $2,154 | $5,858-63.2% | $5,144-58.1% | $4,763-54.8% |
| Participant deferral / active EE | $3,388 | $5,948-43.0% | $5,198-34.8% | $5,851-42.1% |
| Admin fee / account holder | $770 | $17,111-95.5% | $13,955-94.5% | $11,598-93.4% |