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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 | $88,685 | $150,447-41.1% | $136,298-34.9% | $147,586-39.9% |
| Participation rate | 53.3% | 84.4%-31.1pp | 81.9%-28.6pp | 82.8%-29.5pp |
| Annual return | 15.43% | 1049.15%-1033.7pp | 5156.27%-5140.8pp | 578.59%-563.2pp |
| Employer contribution / active EE | $2,410 | $5,256-54.2% | $4,696-48.7% | $4,876-50.6% |
| Participant deferral / active EE | $4,647 | $6,631-29.9% | $6,247-25.6% | $5,439-14.6% |
| Admin fee / account holder | $8,703 | $10,906-20.2% | $9,244-5.9% | $10,886-20.1% |