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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 | $99,262 | $92,766+7.0% | $82,763+19.9% | $134,545-26.2% |
| Participation rate | 55.6% | 75.2%-19.6pp | 72.6%-17.0pp | 81.2%-25.7pp |
| Annual return | -14.00% | 946.97%-961.0pp | 702.45%-716.4pp | 418.37%-432.4pp |
| Employer contribution / active EE | $2,323 | $3,273-29.0% | $3,008-22.8% | $4,742-51.0% |
| Participant deferral / active EE | $3,385 | $4,802-29.5% | $4,395-23.0% | $6,401-47.1% |
| Admin fee / account holder | $6,919 | $5,978+15.8% | $5,325+29.9% | $11,431-39.5% |