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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 | $33,578 | $180,459-81.4% | $154,108-78.2% | $135,380-75.2% |
| Participation rate | 47.8% | 87.4%-39.6pp | 83.0%-35.2pp | 82.6%-34.8pp |
| Annual return | -5.60% | 888.21%-893.8pp | 735.21%-740.8pp | 519.81%-525.4pp |
| Employer contribution / active EE | $4,660 | $6,035-22.8% | $5,298-12.0% | $4,779-2.5% |
| Participant deferral / active EE | $7,049 | $5,806+21.4% | $5,081+38.7% | $5,609+25.7% |
| Admin fee / account holder | $1,311 | $16,145-91.9% | $13,411-90.2% | $10,828-87.9% |