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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 | $46,450 | $138,102-66.4% | $125,381-63.0% | $134,532-65.5% |
| Participation rate | 68.4% | 84.5%-16.1pp | 82.4%-14.0pp | 81.2%-12.8pp |
| Annual return | -15.95% | 750.73%-766.7pp | 572.31%-588.3pp | 418.27%-434.2pp |
| Employer contribution / active EE | $2,166 | $5,245-58.7% | $4,815-55.0% | $4,741-54.3% |
| Participant deferral / active EE | $5,346 | $7,801-31.5% | $7,448-28.2% | $6,401-16.5% |
| Admin fee / account holder | $444 | $11,568-96.2% | $10,007-95.6% | $11,429-96.1% |