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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 | $51,701 | $180,462-71.4% | $154,111-66.5% | $135,379-61.8% |
| Participation rate | 61.5% | 87.4%-25.9pp | 83.0%-21.5pp | 82.6%-21.1pp |
| Annual return | -8.08% | 888.17%-896.2pp | 735.18%-743.3pp | 519.79%-527.9pp |
| Employer contribution / active EE | $2,405 | $6,036-60.2% | $5,298-54.6% | $4,779-49.7% |
| Participant deferral / active EE | $4,556 | $5,806-21.5% | $5,081-10.3% | $5,609-18.8% |
| Admin fee / account holder | $343 | $16,145-97.9% | $13,411-97.4% | $10,828-96.8% |