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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 | $39,340 | $138,114-71.5% | $125,391-68.6% | $134,545-70.8% |
| Participation rate | 58.8% | 84.5%-25.7pp | 82.4%-23.6pp | 81.2%-22.4pp |
| Annual return | -20.28% | 750.88%-771.2pp | 572.41%-592.7pp | 418.37%-438.6pp |
| Employer contribution / active EE | $2,593 | $5,246-50.6% | $4,816-46.2% | $4,742-45.3% |
| Participant deferral / active EE | $6,763 | $7,801-13.3% | $7,448-9.2% | $6,401+5.6% |
| Admin fee / account holder | $1,424 | $11,570-87.7% | $10,009-85.8% | $11,431-87.5% |