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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 | $90,840 | $150,447-39.6% | $136,298-33.4% | $147,586-38.4% |
| Participation rate | 64.3% | 84.4%-20.1pp | 81.9%-17.6pp | 82.8%-18.5pp |
| Annual return | 19.24% | 1049.15%-1029.9pp | 5156.27%-5137.0pp | 578.59%-559.4pp |
| Employer contribution / active EE | $1,294 | $5,256-75.4% | $4,696-72.5% | $4,876-73.5% |
| Participant deferral / active EE | $5,143 | $6,631-22.4% | $6,247-17.7% | $5,439-5.4% |
| Admin fee / account holder | $1,955 | $10,906-82.1% | $9,244-78.8% | $10,886-82.0% |