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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 | $39,344 | $180,466-78.2% | $154,114-74.5% | $135,382-70.9% |
| Participation rate | 60.0% | 87.4%-27.4pp | 83.0%-23.0pp | 82.6%-22.6pp |
| Annual return | -4.49% | 888.15%-892.6pp | 735.16%-739.7pp | 519.77%-524.3pp |
| Employer contribution / active EE | $5,423 | $6,035-10.1% | $5,298+2.4% | $4,779+13.5% |
| Participant deferral / active EE | $6,016 | $5,806+3.6% | $5,081+18.4% | $5,609+7.3% |
| Admin fee / account holder | $1,231 | $16,144-92.4% | $13,411-90.8% | $10,829-88.6% |