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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 | $116,210 | $150,447-22.8% | $136,298-14.7% | $147,586-21.3% |
| Participation rate | 60.0% | 84.4%-24.4pp | 81.9%-21.9pp | 82.8%-22.8pp |
| Annual return | 19.91% | 1049.15%-1029.2pp | 5156.27%-5136.4pp | 578.59%-558.7pp |
| Employer contribution / active EE | $11,742 | $5,256+123.4% | $4,696+150.1% | $4,876+140.8% |
| Participant deferral / active EE | $8,943 | $6,631+34.9% | $6,247+43.2% | $5,439+64.4% |
| Admin fee / account holder | $3,565 | $10,906-67.3% | $9,244-61.4% | $10,886-67.3% |