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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 | $123,192 | $92,766+32.8% | $82,763+48.8% | $134,545-8.4% |
| Participation rate | 66.7% | 75.2%-8.5pp | 72.6%-5.9pp | 81.2%-14.6pp |
| Annual return | -16.53% | 946.97%-963.5pp | 702.45%-719.0pp | 418.37%-434.9pp |
| Employer contribution / active EE | $1,322 | $3,273-59.6% | $3,008-56.1% | $4,742-72.1% |
| Participant deferral / active EE | $6,205 | $4,802+29.2% | $4,395+41.2% | $6,401-3.1% |
| Admin fee / account holder | $888 | $5,978-85.1% | $5,325-83.3% | $11,431-92.2% |