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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 | $79,813 | $180,466-55.8% | $154,114-48.2% | $135,382-41.0% |
| Participation rate | 44.4% | 87.4%-43.0pp | 83.0%-38.6pp | 82.6%-38.2pp |
| Annual return | -7.82% | 888.15%-896.0pp | 735.16%-743.0pp | 519.77%-527.6pp |
| Employer contribution / active EE | $2,217 | $6,035-63.3% | $5,298-58.1% | $4,779-53.6% |
| Participant deferral / active EE | $5,650 | $5,806-2.7% | $5,081+11.2% | $5,609+0.7% |
| Admin fee / account holder | $4,779 | $16,144-70.4% | $13,411-64.4% | $10,829-55.9% |