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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 | $49,525 | $138,114-64.1% | $125,391-60.5% | $134,545-63.2% |
| Participation rate | 54.5% | 84.5%-30.0pp | 82.4%-27.8pp | 81.2%-26.7pp |
| Annual return | -18.43% | 750.88%-769.3pp | 572.41%-590.8pp | 418.37%-436.8pp |
| Employer contribution / active EE | $2,046 | $5,246-61.0% | $4,816-57.5% | $4,742-56.8% |
| Participant deferral / active EE | $7,046 | $7,801-9.7% | $7,448-5.4% | $6,401+10.1% |
| Admin fee / account holder | $798 | $11,570-93.1% | $10,009-92.0% | $11,431-93.0% |