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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 | $96,659 | $92,743+4.2% | $82,744+16.8% | $134,532-28.2% |
| Participation rate | 64.7% | 75.2%-10.5pp | 72.6%-7.9pp | 81.2%-16.5pp |
| Annual return | -18.10% | 946.63%-964.7pp | 702.22%-720.3pp | 418.27%-436.4pp |
| Employer contribution / active EE | $2,022 | $3,273-38.2% | $3,008-32.8% | $4,741-57.3% |
| Participant deferral / active EE | $2,668 | $4,802-44.4% | $4,395-39.3% | $6,401-58.3% |
| Admin fee / account holder | $9,276 | $5,977+55.2% | $5,325+74.2% | $11,429-18.8% |