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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 | $26,800 | $138,102-80.6% | $125,381-78.6% | $134,532-80.1% |
| Participation rate | 46.7% | 84.5%-37.8pp | 82.4%-35.7pp | 81.2%-34.6pp |
| Annual return | -19.22% | 750.73%-769.9pp | 572.31%-591.5pp | 418.27%-437.5pp |
| Employer contribution / active EE | $2,052 | $5,245-60.9% | $4,815-57.4% | $4,741-56.7% |
| Participant deferral / active EE | $4,807 | $7,801-38.4% | $7,448-35.5% | $6,401-24.9% |
| Admin fee / account holder | $694 | $11,568-94.0% | $10,007-93.1% | $11,429-93.9% |