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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 | $37,291 | $138,114-73.0% | $125,391-70.3% | $134,545-72.3% |
| Participation rate | 57.1% | 84.5%-27.4pp | 82.4%-25.2pp | 81.2%-24.1pp |
| Annual return | -18.19% | 750.88%-769.1pp | 572.41%-590.6pp | 418.37%-436.6pp |
| Employer contribution / active EE | $3,499 | $5,246-33.3% | $4,816-27.3% | $4,742-26.2% |
| Participant deferral / active EE | $8,491 | $7,801+8.9% | $7,448+14.0% | $6,401+32.7% |
| Admin fee / account holder | $1,428 | $11,570-87.7% | $10,009-85.7% | $11,431-87.5% |