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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 | $42,979 | $99,668-56.9% | $86,451-50.3% | $134,545-68.1% |
| Participation rate | 68.8% | 82.1%-13.3pp | 80.3%-11.6pp | 81.2%-12.5pp |
| Annual return | -19.03% | 6789.61%-6808.6pp | 4398.51%-4417.5pp | 418.37%-437.4pp |
| Employer contribution / active EE | $2,141 | $4,403-51.4% | $3,770-43.2% | $4,742-54.9% |
| Participant deferral / active EE | $3,013 | $7,249-58.4% | $6,953-56.7% | $6,401-52.9% |
| Admin fee / account holder | $415 | $8,377-95.0% | $6,734-93.8% | $11,431-96.4% |