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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 | $53,606 | $97,732-45.1% | $83,831-36.1% | $135,380-60.4% |
| Participation rate | 63.6% | 80.0%-16.3pp | 76.1%-12.5pp | 82.6%-19.0pp |
| Annual return | -7.97% | 1287.56%-1295.5pp | 850.99%-859.0pp | 519.81%-527.8pp |
| Employer contribution / active EE | $2,278 | $4,222-46.0% | $3,631-37.3% | $4,779-52.3% |
| Participant deferral / active EE | $4,015 | $4,683-14.3% | $4,082-1.6% | $5,609-28.4% |
| Admin fee / account holder | $4,503 | $6,675-32.5% | $5,479-17.8% | $10,828-58.4% |