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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 | $46,518 | $56,197-17.2% | $67,652-31.2% | $59,633-22.0% |
| Participation rate | 66.7% | 71.5%-4.8pp | 75.7%-9.0pp | 68.7%-2.0pp |
| Annual return | -0.96% | 18508.10%-18509.1pp | 6625.40%-6626.4pp | 2041.45%-2042.4pp |
| Employer contribution / active EE | $371 | $1,615-77.0% | $2,266-83.6% | $2,203-83.2% |
| Participant deferral / active EE | $2,629 | $2,844-7.5% | $3,560-26.1% | $3,192-17.6% |
| Admin fee / account holder | $2,852 | $3,958-27.9% | $4,821-40.8% | $4,297-33.6% |