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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 | $71,927 | $150,447-52.2% | $136,298-47.2% | $147,586-51.3% |
| Participation rate | 58.3% | 84.4%-26.1pp | 81.9%-23.6pp | 82.8%-24.5pp |
| Annual return | 17.42% | 1049.15%-1031.7pp | 5156.27%-5138.9pp | 578.59%-561.2pp |
| Employer contribution / active EE | $4,167 | $5,256-20.7% | $4,696-11.3% | $4,876-14.6% |
| Participant deferral / active EE | $3,400 | $6,631-48.7% | $6,247-45.6% | $5,439-37.5% |
| Admin fee / account holder | $1,063 | $10,906-90.3% | $9,244-88.5% | $10,886-90.2% |