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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 | $109,854 | $180,459-39.1% | $154,108-28.7% | $135,380-18.9% |
| Participation rate | 69.2% | 87.4%-18.2pp | 83.0%-13.8pp | 82.6%-13.4pp |
| Annual return | -4.26% | 888.21%-892.5pp | 735.21%-739.5pp | 519.81%-524.1pp |
| Employer contribution / active EE | $2,529 | $6,035-58.1% | $5,298-52.3% | $4,779-47.1% |
| Participant deferral / active EE | $6,694 | $5,806+15.3% | $5,081+31.7% | $5,609+19.3% |
| Admin fee / account holder | $2,749 | $16,145-83.0% | $13,411-79.5% | $10,828-74.6% |