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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 | $64,580 | $90,607-28.7% | $79,467-18.7% | $135,380-52.3% |
| Participation rate | 57.9% | 76.0%-18.2pp | 73.3%-15.5pp | 82.6%-24.7pp |
| Annual return | -6.61% | 977.74%-984.3pp | 718.30%-724.9pp | 519.81%-526.4pp |
| Employer contribution / active EE | $1,182 | $3,068-61.5% | $2,800-57.8% | $4,779-75.3% |
| Participant deferral / active EE | $1,676 | $4,050-58.6% | $3,704-54.7% | $5,609-70.1% |
| Admin fee / account holder | $5,513 | $5,895-6.5% | $5,104+8.0% | $10,828-49.1% |