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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 | $21,769 | $138,102-84.2% | $125,381-82.6% | $134,532-83.8% |
| Participation rate | 50.0% | 84.5%-34.5pp | 82.4%-32.4pp | 81.2%-31.2pp |
| Annual return | -19.78% | 750.73%-770.5pp | 572.31%-592.1pp | 418.27%-438.0pp |
| Employer contribution / active EE | $1,698 | $5,245-67.6% | $4,815-64.7% | $4,741-64.2% |
| Participant deferral / active EE | $4,960 | $7,801-36.4% | $7,448-33.4% | $6,401-22.5% |
| Admin fee / account holder | $681 | $11,568-94.1% | $10,007-93.2% | $11,429-94.0% |