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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 | $60,993 | $97,729-37.6% | $83,830-27.2% | $135,379-54.9% |
| Participation rate | 57.9% | 80.0%-22.1pp | 76.1%-18.3pp | 82.6%-24.7pp |
| Annual return | -7.34% | 1287.52%-1294.9pp | 850.97%-858.3pp | 519.79%-527.1pp |
| Employer contribution / active EE | $928 | $4,222-78.0% | $3,631-74.4% | $4,779-80.6% |
| Participant deferral / active EE | $2,553 | $4,683-45.5% | $4,082-37.5% | $5,609-54.5% |
| Admin fee / account holder | $592 | $6,674-91.1% | $5,479-89.2% | $10,828-94.5% |