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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 | $21,694 | $82,630-73.7% | $64,105-66.2% | $125,389-82.7% |
| Participation rate | 61.5% | 75.9%-14.3pp | 68.2%-6.6pp | 83.2%-21.7pp |
| Annual return | 0.00% | 1489.72%-1489.7pp | 791.24%-791.2pp | 282.24%-282.2pp |
| Employer contribution / active EE | $6,980 | $2,671+161.3% | $1,820+283.6% | $4,866+43.4% |
| Participant deferral / active EE | $5,208 | $3,608+44.3% | $2,822+84.6% | $5,352-2.7% |
| Admin fee / account holder | $848 | $6,382-86.7% | $4,499-81.2% | $9,541-91.1% |