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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 | $29,506 | $180,462-83.6% | $154,111-80.9% | $135,379-78.2% |
| Participation rate | 64.7% | 87.4%-22.7pp | 83.0%-18.3pp | 82.6%-17.9pp |
| Annual return | 0.00% | 888.17%-888.2pp | 735.18%-735.2pp | 519.79%-519.8pp |
| Employer contribution / active EE | $1,477 | $6,036-75.5% | $5,298-72.1% | $4,779-69.1% |
| Participant deferral / active EE | $3,654 | $5,806-37.1% | $5,081-28.1% | $5,609-34.9% |
| Admin fee / account holder | $1,523 | $16,145-90.6% | $13,411-88.6% | $10,828-85.9% |