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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 | $30,470 | $99,644-69.4% | $86,438-64.7% | $134,532-77.4% |
| Participation rate | 69.2% | 82.1%-12.8pp | 80.3%-11.1pp | 81.2%-12.0pp |
| Annual return | -13.79% | 6787.26%-6801.0pp | 4397.19%-4411.0pp | 418.27%-432.1pp |
| Employer contribution / active EE | $2,745 | $4,402-37.6% | $3,769-27.2% | $4,741-42.1% |
| Participant deferral / active EE | $4,306 | $7,247-40.6% | $6,952-38.1% | $6,401-32.7% |
| Admin fee / account holder | $764 | $8,375-90.9% | $6,733-88.7% | $11,429-93.3% |