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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 | $55,858 | $90,607-38.4% | $79,467-29.7% | $135,380-58.7% |
| Participation rate | 57.1% | 76.0%-18.9pp | 73.3%-16.2pp | 82.6%-25.5pp |
| Annual return | -6.73% | 977.74%-984.5pp | 718.30%-725.0pp | 519.81%-526.5pp |
| Employer contribution / active EE | $9,265 | $3,068+202.0% | $2,800+230.9% | $4,779+93.9% |
| Participant deferral / active EE | $3,852 | $4,050-4.9% | $3,704+4.0% | $5,609-31.3% |
| Admin fee / account holder | $560 | $5,895-90.5% | $5,104-89.0% | $10,828-94.8% |