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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 | $141,034 | $102,595+37.5% | $94,057+49.9% | $154,746-8.9% |
| Participation rate | 0.0% | 76.0%-76.0pp | 73.3%-73.3pp | 80.7%-80.7pp |
| Annual return | 37.47% | 583.42%-546.0pp | 480.62%-443.2pp | 172.34%-134.9pp |
| Employer contribution / active EE | $11,953 | $3,147+279.8% | $2,933+307.5% | $4,379+173.0% |
| Participant deferral / active EE | $53,274 | $5,118+940.9% | $4,709+1031.2% | $6,730+691.5% |
| Admin fee / account holder | $51,794 | $7,736+569.5% | $7,244+614.9% | $14,365+260.5% |