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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 | $68,030 | $138,076-50.7% | $123,553-44.9% | $135,380-49.7% |
| Participation rate | 53.8% | 84.7%-30.9pp | 82.3%-28.4pp | 82.6%-28.8pp |
| Annual return | -4.88% | 153.70%-158.6pp | 119.21%-124.1pp | 519.81%-524.7pp |
| Employer contribution / active EE | $1,671 | $5,152-67.6% | $4,628-63.9% | $4,779-65.0% |
| Participant deferral / active EE | $2,554 | $6,800-62.4% | $6,426-60.3% | $5,609-54.5% |
| Admin fee / account holder | $855 | $10,917-92.2% | $9,284-90.8% | $10,828-92.1% |