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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 | $89,678 | $138,102-35.1% | $125,381-28.5% | $134,532-33.3% |
| Participation rate | 65.2% | 84.5%-19.3pp | 82.4%-17.2pp | 81.2%-16.0pp |
| Annual return | -14.16% | 750.73%-764.9pp | 572.31%-586.5pp | 418.27%-432.4pp |
| Employer contribution / active EE | $3,310 | $5,245-36.9% | $4,815-31.3% | $4,741-30.2% |
| Participant deferral / active EE | $6,310 | $7,801-19.1% | $7,448-15.3% | $6,401-1.4% |
| Admin fee / account holder | $1,490 | $11,568-87.1% | $10,007-85.1% | $11,429-87.0% |