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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 | $186,169 | $202,342-8.0% | $172,752+7.8% | $152,897+21.8% |
| Participation rate | 59.1% | 87.1%-28.0pp | 82.6%-23.6pp | 82.5%-23.4pp |
| Annual return | 23.36% | 1029.83%-1006.5pp | 802.97%-779.6pp | 345.43%-322.1pp |
| Employer contribution / active EE | $3,698 | $5,858-36.9% | $5,144-28.1% | $4,764-22.4% |
| Participant deferral / active EE | $3,547 | $5,948-40.4% | $5,198-31.8% | $5,851-39.4% |
| Admin fee / account holder | $4,013 | $17,111-76.5% | $13,955-71.2% | $11,599-65.4% |