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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 | $38,544 | $104,106-63.0% | $71,086-45.8% | $135,382-71.5% |
| Participation rate | 44.4% | 65.7%-21.2pp | 54.7%-10.2pp | 82.6%-38.2pp |
| Annual return | -9.02% | 1256.30%-1265.3pp | 650.59%-659.6pp | 519.77%-528.8pp |
| Employer contribution / active EE | $864 | $1,485-41.8% | $1,088-20.6% | $4,779-81.9% |
| Participant deferral / active EE | $1,673 | $2,527-33.8% | $1,874-10.7% | $5,609-70.2% |
| Admin fee / account holder | $507 | $4,142-87.8% | $3,082-83.6% | $10,829-95.3% |