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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 | $101,185 | $180,459-43.9% | $154,108-34.3% | $135,380-25.3% |
| Participation rate | 56.5% | 87.4%-30.9pp | 83.0%-26.5pp | 82.6%-26.1pp |
| Annual return | -4.60% | 888.21%-892.8pp | 735.21%-739.8pp | 519.81%-524.4pp |
| Employer contribution / active EE | $1,402 | $6,035-76.8% | $5,298-73.5% | $4,779-70.7% |
| Participant deferral / active EE | $4,385 | $5,806-24.5% | $5,081-13.7% | $5,609-21.8% |
| Admin fee / account holder | $1,628 | $16,145-89.9% | $13,411-87.9% | $10,828-85.0% |