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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 | $55,752 | $180,466-69.1% | $154,114-63.8% | $135,382-58.8% |
| Participation rate | 63.6% | 87.4%-23.8pp | 83.0%-19.4pp | 82.6%-19.0pp |
| Annual return | -7.97% | 888.15%-896.1pp | 735.16%-743.1pp | 519.77%-527.7pp |
| Employer contribution / active EE | $1,368 | $6,035-77.3% | $5,298-74.2% | $4,779-71.4% |
| Participant deferral / active EE | $2,779 | $5,806-52.1% | $5,081-45.3% | $5,609-50.5% |
| Admin fee / account holder | $2,215 | $16,144-86.3% | $13,411-83.5% | $10,829-79.5% |