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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 | $65,542 | $135,645-51.7% | $110,243-40.5% | $135,380-51.6% |
| Participation rate | 64.3% | 83.5%-19.2pp | 79.8%-15.5pp | 82.6%-18.4pp |
| Annual return | -6.76% | 513.24%-520.0pp | 314.76%-321.5pp | 519.81%-526.6pp |
| Employer contribution / active EE | $1,546 | $4,907-68.5% | $3,827-59.6% | $4,779-67.7% |
| Participant deferral / active EE | $5,628 | $5,507+2.2% | $4,672+20.5% | $5,609+0.3% |
| Admin fee / account holder | $1,998 | $11,458-82.6% | $8,548-76.6% | $10,828-81.6% |