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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 | $149,568 | $96,419+55.1% | $80,648+85.5% | $139,487+7.2% |
| Participation rate | 55.0% | 73.6%-18.6pp | 67.0%-12.0pp | 80.3%-25.3pp |
| Annual return | 23.07% | 1352.86%-1329.8pp | 937.21%-914.1pp | 373.84%-350.8pp |
| Employer contribution / active EE | $1,556 | $3,261-52.3% | $2,724-42.9% | $4,755-67.3% |
| Participant deferral / active EE | $3,810 | $5,225-27.1% | $4,443-14.3% | $6,713-43.2% |
| Admin fee / account holder | $8,397 | $6,605+27.1% | $5,382+56.0% | $11,407-26.4% |