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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 | $58,072 | $150,447-61.4% | $136,298-57.4% | $147,586-60.7% |
| Participation rate | 57.1% | 84.4%-27.3pp | 81.9%-24.8pp | 82.8%-25.7pp |
| Annual return | 14.86% | 1049.15%-1034.3pp | 5156.27%-5141.4pp | 578.59%-563.7pp |
| Employer contribution / active EE | $1,312 | $5,256-75.0% | $4,696-72.1% | $4,876-73.1% |
| Participant deferral / active EE | $4,567 | $6,631-31.1% | $6,247-26.9% | $5,439-16.0% |
| Admin fee / account holder | $2,995 | $10,906-72.5% | $9,244-67.6% | $10,886-72.5% |