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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 | $66,343 | $138,102-52.0% | $125,381-47.1% | $134,532-50.7% |
| Participation rate | 50.0% | 84.5%-34.5pp | 82.4%-32.4pp | 81.2%-31.2pp |
| Annual return | -17.28% | 750.73%-768.0pp | 572.31%-589.6pp | 418.27%-435.5pp |
| Employer contribution / active EE | $2,359 | $5,245-55.0% | $4,815-51.0% | $4,741-50.2% |
| Participant deferral / active EE | $7,205 | $7,801-7.6% | $7,448-3.3% | $6,401+12.6% |
| Admin fee / account holder | $326 | $11,568-97.2% | $10,007-96.7% | $11,429-97.1% |