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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 | $44,136 | $138,102-68.0% | $125,381-64.8% | $134,532-67.2% |
| Participation rate | 42.9% | 84.5%-41.6pp | 82.4%-39.5pp | 81.2%-38.4pp |
| Annual return | -19.68% | 750.73%-770.4pp | 572.31%-592.0pp | 418.27%-437.9pp |
| Employer contribution / active EE | $1,998 | $5,245-61.9% | $4,815-58.5% | $4,741-57.9% |
| Participant deferral / active EE | $11,817 | $7,801+51.5% | $7,448+58.7% | $6,401+84.6% |
| Admin fee / account holder | $4,352 | $11,568-62.4% | $10,007-56.5% | $11,429-61.9% |