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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 | $128,820 | $76,522+68.3% | $56,033+129.9% | $145,884-11.7% |
| Participation rate | 0.0% | 63.2%-63.2pp | 52.5%-52.5pp | 80.3%-80.3pp |
| Annual return | 9.91% | 3014.28%-3004.4pp | 1711.38%-1701.5pp | 551.85%-541.9pp |
| Employer contribution / active EE | $1,868 | $1,382+35.1% | $1,041+79.4% | $4,662-59.9% |
| Participant deferral / active EE | $6,305 | $2,624+140.3% | $1,954+222.7% | $6,690-5.7% |
| Admin fee / account holder | $3,304 | $3,328-0.7% | $2,827+16.9% | $13,392-75.3% |