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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 | $36,354 | $150,447-75.8% | $136,298-73.3% | $147,586-75.4% |
| Participation rate | 63.6% | 84.4%-20.8pp | 81.9%-18.3pp | 82.8%-19.2pp |
| Annual return | 25.92% | 1049.15%-1023.2pp | 5156.27%-5130.3pp | 578.59%-552.7pp |
| Employer contribution / active EE | $2,628 | $5,256-50.0% | $4,696-44.0% | $4,876-46.1% |
| Participant deferral / active EE | $5,349 | $6,631-19.3% | $6,247-14.4% | $5,439-1.6% |
| Admin fee / account holder | $306 | $10,906-97.2% | $9,244-96.7% | $10,886-97.2% |