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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 | $46,245 | $138,102-66.5% | $125,381-63.1% | $134,532-65.6% |
| Participation rate | 38.9% | 84.5%-45.6pp | 82.4%-43.5pp | 81.2%-42.3pp |
| Annual return | -15.83% | 750.73%-766.6pp | 572.31%-588.1pp | 418.27%-434.1pp |
| Employer contribution / active EE | $0 | $5,245-100.0% | $4,815-100.0% | $4,741-100.0% |
| Participant deferral / active EE | $4,513 | $7,801-42.1% | $7,448-39.4% | $6,401-29.5% |
| Admin fee / account holder | $347 | $11,568-97.0% | $10,007-96.5% | $11,429-97.0% |