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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 | $144,421 | $202,342-28.6% | $172,753-16.4% | $152,909-5.6% |
| Participation rate | 62.5% | 87.1%-24.6pp | 82.6%-20.1pp | 82.5%-20.0pp |
| Annual return | 47.91% | 1029.88%-982.0pp | 803.00%-755.1pp | 345.46%-297.6pp |
| Employer contribution / active EE | $17,220 | $5,857+194.0% | $5,144+234.8% | $4,764+261.5% |
| Participant deferral / active EE | $11,731 | $5,948+97.2% | $5,198+125.7% | $5,851+100.5% |
| Admin fee / account holder | $887 | $17,112-94.8% | $13,956-93.6% | $11,601-92.4% |