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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 | $18,468 | $82,630-77.6% | $64,105-71.2% | $125,388-85.3% |
| Participation rate | 58.3% | 75.9%-17.5pp | 68.2%-9.8pp | 83.2%-24.9pp |
| Annual return | -1.51% | 1489.72%-1491.2pp | 791.24%-792.8pp | 282.24%-283.8pp |
| Employer contribution / active EE | $1,861 | $2,671-30.3% | $1,820+2.2% | $4,866-61.8% |
| Participant deferral / active EE | $3,999 | $3,608+10.8% | $2,822+41.7% | $5,352-25.3% |
| Admin fee / account holder | $907 | $6,382-85.8% | $4,499-79.8% | $9,541-90.5% |