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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 | $60,190 | $88,754-32.2% | $81,820-26.4% | $145,877-58.7% |
| Participation rate | 0.0% | 75.1%-75.1pp | 72.4%-72.4pp | 80.3%-80.3pp |
| Annual return | 11.27% | 1031.77%-1020.5pp | 777.93%-766.7pp | 551.28%-540.0pp |
| Employer contribution / active EE | $3,255 | $3,085+5.5% | $2,915+11.7% | $4,663-30.2% |
| Participant deferral / active EE | $8,767 | $4,648+88.6% | $4,323+102.8% | $6,691+31.0% |
| Admin fee / account holder | $1,394 | $8,424-83.4% | $7,391-81.1% | $13,402-89.6% |