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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 | $204,760 | $84,685+141.8% | $73,836+177.3% | $125,389+63.3% |
| Participation rate | 38.5% | 76.8%-38.3pp | 73.4%-35.0pp | 83.2%-44.7pp |
| Annual return | -0.62% | 3123.80%-3124.4pp | 2268.06%-2268.7pp | 282.24%-282.9pp |
| Employer contribution / active EE | $1,225 | $3,123-60.8% | $2,787-56.1% | $4,866-74.8% |
| Participant deferral / active EE | $2,630 | $3,993-34.1% | $3,583-26.6% | $5,352-50.8% |
| Admin fee / account holder | $8,916 | $5,694+56.6% | $4,882+82.6% | $9,541-6.6% |