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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 | $72,709 | $138,114-47.4% | $125,391-42.0% | $134,545-46.0% |
| Participation rate | 66.7% | 84.5%-17.8pp | 82.4%-15.7pp | 81.2%-14.6pp |
| Annual return | -10.57% | 750.88%-761.5pp | 572.41%-583.0pp | 418.37%-428.9pp |
| Employer contribution / active EE | $4,523 | $5,246-13.8% | $4,816-6.1% | $4,742-4.6% |
| Participant deferral / active EE | $9,252 | $7,801+18.6% | $7,448+24.2% | $6,401+44.5% |
| Admin fee / account holder | $845 | $11,570-92.7% | $10,009-91.6% | $11,431-92.6% |