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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 | $85,027 | $180,462-52.9% | $154,111-44.8% | $135,379-37.2% |
| Participation rate | 63.6% | 87.4%-23.8pp | 83.0%-19.4pp | 82.6%-19.0pp |
| Annual return | -1.18% | 888.17%-889.4pp | 735.18%-736.4pp | 519.79%-521.0pp |
| Employer contribution / active EE | $5,539 | $6,036-8.2% | $5,298+4.5% | $4,779+15.9% |
| Participant deferral / active EE | $4,364 | $5,806-24.8% | $5,081-14.1% | $5,609-22.2% |
| Admin fee / account holder | $1,342 | $16,145-91.7% | $13,411-90.0% | $10,828-87.6% |