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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 | $76,519+99.5% | $56,025+172.5% | $145,897+4.6% |
| Participation rate | 0.0% | 63.2%-63.2pp | 52.5%-52.5pp | 80.3%-80.3pp |
| Annual return | 13.04% | 3017.03%-3004.0pp | 1712.69%-1699.6pp | 552.29%-539.2pp |
| Employer contribution / active EE | $4,740 | $1,383+242.6% | $1,042+355.1% | $4,663+1.7% |
| Participant deferral / active EE | $11,508 | $2,624+338.5% | $1,955+488.8% | $6,689+72.0% |
| Admin fee / account holder | $5,194 | $3,331+56.0% | $2,828+83.7% | $13,390-61.2% |