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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 | $152,642 | $76,785+98.8% | $56,441+170.4% | $145,959+4.6% |
| Participation rate | 0.0% | 63.2%-63.2pp | 52.5%-52.5pp | 80.3%-80.3pp |
| Annual return | 13.04% | 3000.51%-2987.5pp | 1704.21%-1691.2pp | 561.95%-548.9pp |
| Employer contribution / active EE | $4,740 | $1,381+243.3% | $1,039+356.1% | $4,661+1.7% |
| Participant deferral / active EE | $11,508 | $2,624+338.6% | $1,953+489.3% | $6,689+72.1% |
| Admin fee / account holder | $5,194 | $3,334+55.8% | $2,829+83.6% | $13,398-61.2% |