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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 | $149,860 | $150,447-0.4% | $136,298+9.9% | $147,586+1.5% |
| Participation rate | 69.2% | 84.4%-15.2pp | 81.9%-12.7pp | 82.8%-13.6pp |
| Annual return | 15.29% | 1049.15%-1033.9pp | 5156.27%-5141.0pp | 578.59%-563.3pp |
| Employer contribution / active EE | $3,429 | $5,256-34.8% | $4,696-27.0% | $4,876-29.7% |
| Participant deferral / active EE | $7,652 | $6,631+15.4% | $6,247+22.5% | $5,439+40.7% |
| Admin fee / account holder | $23,200 | $10,906+112.7% | $9,244+151.0% | $10,886+113.1% |