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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 | $53,183 | $135,639-60.8% | $110,241-51.8% | $135,382-60.7% |
| Participation rate | 63.6% | 83.5%-19.8pp | 79.8%-16.2pp | 82.6%-19.0pp |
| Annual return | -8.02% | 513.21%-521.2pp | 314.75%-322.8pp | 519.77%-527.8pp |
| Employer contribution / active EE | $2,891 | $4,907-41.1% | $3,827-24.5% | $4,779-39.5% |
| Participant deferral / active EE | $8,120 | $5,507+47.5% | $4,672+73.8% | $5,609+44.8% |
| Admin fee / account holder | $403 | $11,457-96.5% | $8,548-95.3% | $10,829-96.3% |