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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 | $91,933 | $160,059-42.6% | $140,019-34.3% | $135,380-32.1% |
| Participation rate | 66.7% | 88.5%-21.9pp | 87.5%-20.8pp | 82.6%-16.0pp |
| Annual return | -7.05% | 911.48%-918.5pp | 651.17%-658.2pp | 519.81%-526.9pp |
| Employer contribution / active EE | $3,272 | $6,420-49.0% | $5,605-41.6% | $4,779-31.5% |
| Participant deferral / active EE | $6,050 | $7,641-20.8% | $6,927-12.7% | $5,609+7.9% |
| Admin fee / account holder | $842 | $13,328-93.7% | $10,705-92.1% | $10,828-92.2% |