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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 | $212,622 | $97,732+117.6% | $83,831+153.6% | $135,380+57.1% |
| Participation rate | 61.1% | 80.0%-18.8pp | 76.1%-15.0pp | 82.6%-21.5pp |
| Annual return | -6.93% | 1287.56%-1294.5pp | 850.99%-857.9pp | 519.81%-526.7pp |
| Employer contribution / active EE | $3,277 | $4,222-22.4% | $3,631-9.7% | $4,779-31.4% |
| Participant deferral / active EE | $6,531 | $4,683+39.5% | $4,082+60.0% | $5,609+16.4% |
| Admin fee / account holder | $3,229 | $6,675-51.6% | $5,479-41.1% | $10,828-70.2% |