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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 | $45,774 | $110,551-58.6% | $80,741-43.3% | $167,536-72.7% |
| Participation rate | 42.9% | 64.0%-21.1pp | 54.2%-11.3pp | 82.1%-39.3pp |
| Annual return | 0.00% | 120.57%-120.6pp | 87.30%-87.3pp | 478.82%-478.8pp |
| Employer contribution / active EE | $922 | $1,543-40.2% | $1,160-20.5% | $4,839-80.9% |
| Participant deferral / active EE | $5,564 | $2,870+93.8% | $2,145+159.3% | $6,342-12.3% |
| Admin fee / account holder | $635 | $4,547-86.0% | $3,380-81.2% | $12,315-94.8% |