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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 | $47,962 | $138,078-65.3% | $125,363-61.7% | $134,509-64.3% |
| Participation rate | 69.2% | 84.5%-15.3pp | 82.4%-13.1pp | 81.2%-12.0pp |
| Annual return | -20.22% | 750.49%-770.7pp | 572.15%-592.4pp | 418.13%-438.4pp |
| Employer contribution / active EE | $5,111 | $5,245-2.5% | $4,815+6.2% | $4,741+7.8% |
| Participant deferral / active EE | $9,178 | $7,800+17.7% | $7,447+23.2% | $6,400+43.4% |
| Admin fee / account holder | $340 | $11,566-97.1% | $10,005-96.6% | $11,427-97.0% |