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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 | $50,266 | $80,812-37.8% | $160,784-68.7% | $82,448-39.0% |
| Participation rate | 69.0% | 66.2%+2.8pp | 77.0%-7.9pp | 68.1%+1.0pp |
| Annual return | 43.11% | 100.59%-57.5pp | 1803.92%-1760.8pp | 41.64%+1.5pp |
| Employer contribution / active EE | $2,058 | $2,174-5.3% | $3,733-44.9% | $2,551-19.3% |
| Participant deferral / active EE | $3,748 | $4,335-13.6% | $6,293-40.4% | $4,139-9.5% |
| Admin fee / account holder | $21,771 | $7,695+182.9% | $9,717+124.1% | $7,234+200.9% |