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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 | $28,881 | $160,070-82.0% | $147,117-80.4% | $145,897-80.2% |
| Participation rate | 64.3% | 84.0%-19.7pp | 82.2%-17.9pp | 80.3%-16.0pp |
| Annual return | 92.78% | 98.69%-5.9pp | 420.54%-327.8pp | 552.29%-459.5pp |
| Employer contribution / active EE | $4,568 | $5,285-13.6% | $4,932-7.4% | $4,663-2.0% |
| Participant deferral / active EE | $5,247 | $8,419-37.7% | $8,065-34.9% | $6,689-21.6% |
| Admin fee / account holder | $1,497 | $15,035-90.0% | $12,993-88.5% | $13,390-88.8% |