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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 | $155,730 | $160,059-2.7% | $140,019+11.2% | $135,382+15.0% |
| Participation rate | 60.0% | 88.5%-28.5pp | 87.5%-27.5pp | 82.6%-22.6pp |
| Annual return | 210.61% | 911.44%-700.8pp | 651.15%-440.5pp | 519.77%-309.2pp |
| Employer contribution / active EE | $1,535 | $6,420-76.1% | $5,605-72.6% | $4,779-67.9% |
| Participant deferral / active EE | $6,878 | $7,641-10.0% | $6,927-0.7% | $5,609+22.6% |
| Admin fee / account holder | $45,913 | $13,328+244.5% | $10,705+328.9% | $10,829+324.0% |