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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 | $17,363 | $97,732-82.2% | $83,831-79.3% | $135,380-87.2% |
| Participation rate | 64.3% | 80.0%-15.7pp | 76.1%-11.9pp | 82.6%-18.4pp |
| Annual return | -8.25% | 1287.56%-1295.8pp | 850.99%-859.2pp | 519.81%-528.1pp |
| Employer contribution / active EE | $1,263 | $4,222-70.1% | $3,631-65.2% | $4,779-73.6% |
| Participant deferral / active EE | $2,100 | $4,683-55.2% | $4,082-48.6% | $5,609-62.6% |
| Admin fee / account holder | $1,631 | $6,675-75.6% | $5,479-70.2% | $10,828-84.9% |