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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 | $47,269 | $135,645-65.2% | $110,243-57.1% | $135,380-65.1% |
| Participation rate | 60.0% | 83.5%-23.5pp | 79.8%-19.8pp | 82.6%-22.6pp |
| Annual return | -6.22% | 513.24%-519.5pp | 314.76%-321.0pp | 519.81%-526.0pp |
| Employer contribution / active EE | $2,185 | $4,907-55.5% | $3,827-42.9% | $4,779-54.3% |
| Participant deferral / active EE | $5,609 | $5,507+1.9% | $4,672+20.1% | $5,6090% |
| Admin fee / account holder | $744 | $11,458-93.5% | $8,548-91.3% | $10,828-93.1% |