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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 | $36,975 | $75,832-51.2% | $147,617-75.0% | $59,633-38.0% |
| Participation rate | 63.5% | 71.6%-8.1pp | 84.6%-21.1pp | 68.7%-5.2pp |
| Annual return | -0.21% | 0.37%-0.6pp | 61.98%-62.2pp | 2041.45%-2041.7pp |
| Employer contribution / active EE | $2,368 | $3,485-32.0% | $5,564-57.4% | $2,203+7.5% |
| Participant deferral / active EE | $2,228 | $3,131-28.8% | $4,895-54.5% | $3,192-30.2% |
| Admin fee / account holder | $1,131 | $5,986-81.1% | $11,612-90.3% | $4,297-73.7% |