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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 | $102,374 | $138,102-25.9% | $125,381-18.3% | $134,532-23.9% |
| Participation rate | 66.7% | 84.5%-17.8pp | 82.4%-15.7pp | 81.2%-14.6pp |
| Annual return | -19.80% | 750.73%-770.5pp | 572.31%-592.1pp | 418.27%-438.1pp |
| Employer contribution / active EE | $2,253 | $5,245-57.0% | $4,815-53.2% | $4,741-52.5% |
| Participant deferral / active EE | $4,597 | $7,801-41.1% | $7,448-38.3% | $6,401-28.2% |
| Admin fee / account holder | $922 | $11,568-92.0% | $10,007-90.8% | $11,429-91.9% |