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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 | $84,450 | $92,766-9.0% | $82,763+2.0% | $134,545-37.2% |
| Participation rate | 42.9% | 75.2%-32.3pp | 72.6%-29.7pp | 81.2%-38.4pp |
| Annual return | -4.55% | 946.97%-951.5pp | 702.45%-707.0pp | 418.37%-422.9pp |
| Employer contribution / active EE | $2,140 | $3,273-34.6% | $3,008-28.9% | $4,742-54.9% |
| Participant deferral / active EE | $3,879 | $4,802-19.2% | $4,395-11.7% | $6,401-39.4% |
| Admin fee / account holder | $4,041 | $5,978-32.4% | $5,325-24.1% | $11,431-64.6% |