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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 | $107,422 | $138,076-22.2% | $123,553-13.1% | $135,380-20.7% |
| Participation rate | 66.7% | 84.7%-18.1pp | 82.3%-15.6pp | 82.6%-16.0pp |
| Annual return | -5.23% | 153.70%-158.9pp | 119.21%-124.4pp | 519.81%-525.0pp |
| Employer contribution / active EE | $2,495 | $5,152-51.6% | $4,628-46.1% | $4,779-47.8% |
| Participant deferral / active EE | $6,039 | $6,800-11.2% | $6,426-6.0% | $5,609+7.7% |
| Admin fee / account holder | $3,297 | $10,917-69.8% | $9,284-64.5% | $10,828-69.6% |