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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 | $69,362 | $109,905-36.9% | $98,506-29.6% | $167,553-58.6% |
| Participation rate | 66.7% | 75.8%-9.2pp | 73.3%-6.7pp | 82.1%-15.4pp |
| Annual return | 15.55% | 1960.20%-1944.6pp | 1494.92%-1479.4pp | 478.89%-463.3pp |
| Employer contribution / active EE | $0 | $3,226-100.0% | $2,961-100.0% | $4,840-100.0% |
| Participant deferral / active EE | $3,991 | $4,674-14.6% | $4,277-6.7% | $6,343-37.1% |
| Admin fee / account holder | $1,105 | $6,760-83.7% | $5,955-81.4% | $12,316-91.0% |