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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 | $51,080 | $82,630-38.2% | $64,105-20.3% | $125,389-59.3% |
| Participation rate | 69.6% | 75.9%-6.3pp | 68.2%+1.4pp | 83.2%-13.6pp |
| Annual return | -2.68% | 1489.72%-1492.4pp | 791.24%-793.9pp | 282.24%-284.9pp |
| Employer contribution / active EE | $1,554 | $2,671-41.8% | $1,820-14.6% | $4,866-68.1% |
| Participant deferral / active EE | $2,268 | $3,608-37.1% | $2,822-19.6% | $5,352-57.6% |
| Admin fee / account holder | $6,275 | $6,382-1.7% | $4,499+39.5% | $9,541-34.2% |