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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 | $71,389 | $102,663-30.5% | $86,216-17.2% | $139,466-48.8% |
| Participation rate | 0.0% | 74.5%-74.5pp | 69.0%-69.0pp | 80.3%-80.3pp |
| Annual return | 75.76% | 1924.52%-1848.8pp | 1169.42%-1093.7pp | 373.66%-297.9pp |
| Employer contribution / active EE | $2,281 | $3,035-24.8% | $2,382-4.2% | $4,754-52.0% |
| Participant deferral / active EE | $11,250 | $4,677+140.5% | $3,986+182.2% | $6,712+67.6% |
| Admin fee / account holder | $17,576 | $8,663+102.9% | $6,853+156.5% | $11,409+54.1% |