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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 | $67,012 | $138,078-51.5% | $125,363-46.5% | $134,509-50.2% |
| Participation rate | 40.0% | 84.5%-44.5pp | 82.4%-42.4pp | 81.2%-41.2pp |
| Annual return | -19.82% | 750.49%-770.3pp | 572.15%-592.0pp | 418.13%-438.0pp |
| Employer contribution / active EE | $1,229 | $5,245-76.6% | $4,815-74.5% | $4,741-74.1% |
| Participant deferral / active EE | $9,500 | $7,800+21.8% | $7,447+27.6% | $6,400+48.4% |
| Admin fee / account holder | $342 | $11,566-97.0% | $10,005-96.6% | $11,427-97.0% |