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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 | $7,766 | $92,766-91.6% | $82,763-90.6% | $134,545-94.2% |
| Participation rate | 50.0% | 75.2%-25.2pp | 72.6%-22.6pp | 81.2%-31.2pp |
| Annual return | -19.79% | 946.97%-966.8pp | 702.45%-722.2pp | 418.37%-438.2pp |
| Employer contribution / active EE | $921 | $3,273-71.9% | $3,008-69.4% | $4,742-80.6% |
| Participant deferral / active EE | $1,263 | $4,802-73.7% | $4,395-71.3% | $6,401-80.3% |
| Admin fee / account holder | $549 | $5,978-90.8% | $5,325-89.7% | $11,431-95.2% |