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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 | $192,475 | $171,492+12.2% | $150,734+27.7% | $198,609-3.1% |
| Participation rate | 0.0% | 81.4%-81.4pp | 78.4%-78.4pp | 82.4%-82.4pp |
| Annual return | 48.68% | 804.70%-756.0pp | 600.81%-552.1pp | 202.70%-154.0pp |
| Employer contribution / active EE | $3,457 | $5,470-36.8% | $4,918-29.7% | $5,055-31.6% |
| Participant deferral / active EE | $13,323 | $6,259+112.9% | $5,610+137.5% | $6,977+91.0% |
| Admin fee / account holder | $432 | $17,628-97.6% | $14,905-97.1% | $19,030-97.7% |