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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 | $13,229 | $39,798-66.8% | $67,704-80.5% | $59,633-77.8% |
| Participation rate | 67.7% | 57.4%+10.4pp | 67.5%+0.2pp | 68.7%-0.9pp |
| Annual return | -0.29% | 89.94%-90.2pp | 25.41%-25.7pp | 2041.45%-2041.7pp |
| Employer contribution / active EE | $2,366 | $1,393+69.8% | $2,559-7.6% | $2,203+7.4% |
| Participant deferral / active EE | $1,322 | $2,335-43.4% | $3,585-63.1% | $3,192-58.6% |
| Admin fee / account holder | $1,028 | $3,212-68.0% | $4,255-75.8% | $4,297-76.1% |