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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 | $150,447+55.5% | $136,298+71.6% | $147,586+58.5% |
| Participation rate | 36.4% | 84.4%-48.1pp | 81.9%-45.6pp | 82.8%-46.5pp |
| Annual return | 60.13% | 1049.15%-989.0pp | 5156.27%-5096.1pp | 578.59%-518.5pp |
| Employer contribution / active EE | $2,194 | $5,256-58.3% | $4,696-53.3% | $4,876-55.0% |
| Participant deferral / active EE | $5,386 | $6,631-18.8% | $6,247-13.8% | $5,439-1.0% |
| Admin fee / account holder | $4,963 | $10,906-54.5% | $9,244-46.3% | $10,886-54.4% |