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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 | $93,107 | $97,729-4.7% | $83,830+11.1% | $135,379-31.2% |
| Participation rate | 60.0% | 80.0%-20.0pp | 76.1%-16.1pp | 82.6%-22.6pp |
| Annual return | -4.75% | 1287.52%-1292.3pp | 850.97%-855.7pp | 519.79%-524.5pp |
| Employer contribution / active EE | $3,399 | $4,222-19.5% | $3,631-6.4% | $4,779-28.9% |
| Participant deferral / active EE | $4,474 | $4,683-4.5% | $4,082+9.6% | $5,609-20.2% |
| Admin fee / account holder | $5,349 | $6,674-19.9% | $5,479-2.4% | $10,828-50.6% |