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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 | $38,565 | $97,732-60.5% | $83,831-54.0% | $135,380-71.5% |
| Participation rate | 62.5% | 80.0%-17.5pp | 76.1%-13.6pp | 82.6%-20.1pp |
| Annual return | -1.05% | 1287.56%-1288.6pp | 850.99%-852.0pp | 519.81%-520.9pp |
| Employer contribution / active EE | $1,442 | $4,222-65.9% | $3,631-60.3% | $4,779-69.8% |
| Participant deferral / active EE | $3,260 | $4,683-30.4% | $4,082-20.1% | $5,609-41.9% |
| Admin fee / account holder | $703 | $6,675-89.5% | $5,479-87.2% | $10,828-93.5% |