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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 | $53,741 | $150,447-64.3% | $136,298-60.6% | $147,586-63.6% |
| Participation rate | 40.0% | 84.4%-44.4pp | 81.9%-41.9pp | 82.8%-42.8pp |
| Annual return | 17.63% | 1049.15%-1031.5pp | 5156.27%-5138.6pp | 578.59%-561.0pp |
| Employer contribution / active EE | $2,719 | $5,256-48.3% | $4,696-42.1% | $4,876-44.2% |
| Participant deferral / active EE | $4,498 | $6,631-32.2% | $6,247-28.0% | $5,439-17.3% |
| Admin fee / account holder | $914 | $10,906-91.6% | $9,244-90.1% | $10,886-91.6% |