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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 | $84,683 | $190,879-55.6% | $160,009-47.1% | $134,532-37.1% |
| Participation rate | 66.7% | 82.0%-15.3pp | 78.0%-11.3pp | 81.2%-14.6pp |
| Annual return | -4.47% | 552.63%-557.1pp | 408.85%-413.3pp | 418.27%-422.7pp |
| Employer contribution / active EE | $16,664 | $4,995+233.6% | $4,225+294.4% | $4,741+251.5% |
| Participant deferral / active EE | $13,242 | $6,924+91.3% | $6,183+114.2% | $6,401+106.9% |
| Admin fee / account holder | $1,469 | $10,495-86.0% | $8,715-83.1% | $11,429-87.1% |