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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 | $60,594 | $138,114-56.1% | $125,391-51.7% | $134,545-55.0% |
| Participation rate | 57.1% | 84.5%-27.4pp | 82.4%-25.2pp | 81.2%-24.1pp |
| Annual return | -10.42% | 750.88%-761.3pp | 572.41%-582.8pp | 418.37%-428.8pp |
| Employer contribution / active EE | $2,079 | $5,246-60.4% | $4,816-56.8% | $4,742-56.2% |
| Participant deferral / active EE | $4,776 | $7,801-38.8% | $7,448-35.9% | $6,401-25.4% |
| Admin fee / account holder | $892 | $11,570-92.3% | $10,009-91.1% | $11,431-92.2% |