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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 | $239,743 | $138,114+73.6% | $125,391+91.2% | $134,545+78.2% |
| Participation rate | 60.0% | 84.5%-24.5pp | 82.4%-22.4pp | 81.2%-21.2pp |
| Annual return | -10.12% | 750.88%-761.0pp | 572.41%-582.5pp | 418.37%-428.5pp |
| Employer contribution / active EE | $2,336 | $5,246-55.5% | $4,816-51.5% | $4,742-50.7% |
| Participant deferral / active EE | $7,648 | $7,801-2.0% | $7,448+2.7% | $6,401+19.5% |
| Admin fee / account holder | $1,710 | $11,570-85.2% | $10,009-82.9% | $11,431-85.0% |