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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 | $113,080 | $150,446-24.8% | $136,297-17.0% | $147,585-23.4% |
| Participation rate | 57.1% | 84.4%-27.3pp | 81.9%-24.8pp | 82.8%-25.7pp |
| Annual return | 13.55% | 1049.14%-1035.6pp | 5156.19%-5142.6pp | 578.58%-565.0pp |
| Employer contribution / active EE | $2,326 | $5,256-55.7% | $4,696-50.5% | $4,876-52.3% |
| Participant deferral / active EE | $4,612 | $6,631-30.4% | $6,247-26.2% | $5,439-15.2% |
| Admin fee / account holder | $18,877 | $10,906+73.1% | $9,244+104.2% | $10,886+73.4% |