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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 | $69,320 | $97,732-29.1% | $83,831-17.3% | $135,380-48.8% |
| Participation rate | 60.0% | 80.0%-20.0pp | 76.1%-16.1pp | 82.6%-22.6pp |
| Annual return | -8.24% | 1287.56%-1295.8pp | 850.99%-859.2pp | 519.81%-528.0pp |
| Employer contribution / active EE | $2,963 | $4,222-29.8% | $3,631-18.4% | $4,779-38.0% |
| Participant deferral / active EE | $5,650 | $4,683+20.7% | $4,082+38.4% | $5,609+0.7% |
| Admin fee / account holder | $833 | $6,675-87.5% | $5,479-84.8% | $10,828-92.3% |