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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 | $72,769 | $76,522-4.9% | $56,033+29.9% | $145,884-50.1% |
| Participation rate | 62.5% | 63.2%-0.7pp | 52.5%+10.0pp | 80.3%-17.8pp |
| Annual return | 13.60% | 3014.28%-3000.7pp | 1711.38%-1697.8pp | 551.85%-538.2pp |
| Employer contribution / active EE | $19,226 | $1,382+1290.8% | $1,041+1747.0% | $4,662+312.4% |
| Participant deferral / active EE | $8,740 | $2,624+233.1% | $1,954+347.3% | $6,690+30.7% |
| Admin fee / account holder | $3,631 | $3,328+9.1% | $2,827+28.4% | $13,392-72.9% |