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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 | $89,238 | $202,342-55.9% | $172,752-48.3% | $152,897-41.6% |
| Participation rate | 56.3% | 87.1%-30.8pp | 82.6%-26.4pp | 82.5%-26.2pp |
| Annual return | 196.62% | 1029.83%-833.2pp | 802.97%-606.4pp | 345.43%-148.8pp |
| Employer contribution / active EE | $1,517 | $5,858-74.1% | $5,144-70.5% | $4,764-68.2% |
| Participant deferral / active EE | $3,009 | $5,948-49.4% | $5,198-42.1% | $5,851-48.6% |
| Admin fee / account holder | $1,218 | $17,111-92.9% | $13,955-91.3% | $11,599-89.5% |