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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 | $34,666 | $150,447-77.0% | $136,298-74.6% | $147,586-76.5% |
| Participation rate | 50.0% | 84.4%-34.4pp | 81.9%-31.9pp | 82.8%-32.8pp |
| Annual return | 15.51% | 1049.15%-1033.6pp | 5156.27%-5140.8pp | 578.59%-563.1pp |
| Employer contribution / active EE | $1,678 | $5,256-68.1% | $4,696-64.3% | $4,876-65.6% |
| Participant deferral / active EE | $5,161 | $6,631-22.2% | $6,247-17.4% | $5,439-5.1% |
| Admin fee / account holder | $12,059 | $10,906+10.6% | $9,244+30.5% | $10,886+10.8% |