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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 | $57,263 | $91,536-37.4% | $130,062-56.0% | $75,177-23.8% |
| Participation rate | 60.7% | 71.5%-10.7pp | 78.5%-17.8pp | 67.2%-6.5pp |
| Annual return | 90.66% | -631.62%+722.3pp | -137.37%+228.0pp | 160.75%-70.1pp |
| Employer contribution / active EE | $2,813 | $2,845-1.1% | $4,322-34.9% | $2,671+5.3% |
| Participant deferral / active EE | $4,031 | $4,343-7.2% | $5,821-30.7% | $4,126-2.3% |
| Admin fee / account holder | $4,671 | $6,780-31.1% | $10,601-55.9% | $5,651-17.4% |