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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 | $68,237 | $69,708-2.1% | $67,560+1.0% | $74,478-8.4% |
| Participation rate | 64.6% | 71.4%-6.8pp | 72.9%-8.3pp | 67.2%-2.6pp |
| Annual return | 14.65% | -40.67%+55.3pp | 3533.50%-3518.8pp | 1370.56%-1355.9pp |
| Employer contribution / active EE | $1,498 | $2,715-44.8% | $2,737-45.3% | $2,626-43.0% |
| Participant deferral / active EE | $5,051 | $3,637+38.9% | $4,004+26.1% | $4,350+16.1% |
| Admin fee / account holder | $2,711 | $887+205.6% | $3,994-32.1% | $1,946+39.3% |