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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 | $20,718 | $97,732-78.8% | $83,831-75.3% | $135,380-84.7% |
| Participation rate | 68.2% | 80.0%-11.8pp | 76.1%-8.0pp | 82.6%-14.5pp |
| Annual return | -7.59% | 1287.56%-1295.1pp | 850.99%-858.6pp | 519.81%-527.4pp |
| Employer contribution / active EE | $4,230 | $4,222+0.2% | $3,631+16.5% | $4,779-11.5% |
| Participant deferral / active EE | $3,115 | $4,683-33.5% | $4,082-23.7% | $5,609-44.5% |
| Admin fee / account holder | $635 | $6,675-90.5% | $5,479-88.4% | $10,828-94.1% |