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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 | $80,054 | $97,732-18.1% | $83,831-4.5% | $135,380-40.9% |
| Participation rate | 44.4% | 80.0%-35.5pp | 76.1%-31.7pp | 82.6%-38.2pp |
| Annual return | -2.78% | 1287.56%-1290.3pp | 850.99%-853.8pp | 519.81%-522.6pp |
| Employer contribution / active EE | $1,335 | $4,222-68.4% | $3,631-63.2% | $4,779-72.1% |
| Participant deferral / active EE | $4,303 | $4,683-8.1% | $4,082+5.4% | $5,609-23.3% |
| Admin fee / account holder | $2,075 | $6,675-68.9% | $5,479-62.1% | $10,828-80.8% |