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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 | $38,171 | $150,442-74.6% | $136,295-72.0% | $147,585-74.1% |
| Participation rate | 54.5% | 84.4%-29.9pp | 81.9%-27.4pp | 82.8%-28.3pp |
| Annual return | 65.32% | 1049.09%-983.8pp | 5155.97%-5090.7pp | 578.56%-513.2pp |
| Employer contribution / active EE | $2,943 | $5,256-44.0% | $4,695-37.3% | $4,876-39.6% |
| Participant deferral / active EE | $6,373 | $6,630-3.9% | $6,247+2.0% | $5,439+17.2% |
| Admin fee / account holder | $680 | $10,905-93.8% | $9,243-92.6% | $10,885-93.7% |