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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 | $76,875 | $150,447-48.9% | $136,298-43.6% | $147,586-47.9% |
| Participation rate | 66.7% | 84.4%-17.8pp | 81.9%-15.3pp | 82.8%-16.2pp |
| Annual return | 14.64% | 1049.15%-1034.5pp | 5156.27%-5141.6pp | 578.59%-564.0pp |
| Employer contribution / active EE | $6,809 | $5,256+29.5% | $4,696+45.0% | $4,876+39.6% |
| Participant deferral / active EE | $7,907 | $6,631+19.2% | $6,247+26.6% | $5,439+45.4% |
| Admin fee / account holder | $3,675 | $10,906-66.3% | $9,244-60.2% | $10,886-66.2% |