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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 | $233,887 | $150,442+55.5% | $136,295+71.6% | $147,585+58.5% |
| Participation rate | 36.4% | 84.4%-48.1pp | 81.9%-45.6pp | 82.8%-46.5pp |
| Annual return | 60.13% | 1049.09%-989.0pp | 5155.97%-5095.8pp | 578.56%-518.4pp |
| Employer contribution / active EE | $2,194 | $5,256-58.3% | $4,695-53.3% | $4,876-55.0% |
| Participant deferral / active EE | $5,386 | $6,630-18.8% | $6,247-13.8% | $5,439-1.0% |
| Admin fee / account holder | $4,963 | $10,905-54.5% | $9,243-46.3% | $10,885-54.4% |