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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 | $129,193 | $90,607+42.6% | $79,467+62.6% | $135,380-4.6% |
| Participation rate | 28.6% | 76.0%-47.5pp | 73.3%-44.8pp | 82.6%-54.1pp |
| Annual return | -2.43% | 977.74%-980.2pp | 718.30%-720.7pp | 519.81%-522.2pp |
| Employer contribution / active EE | $93 | $3,068-97.0% | $2,800-96.7% | $4,779-98.1% |
| Participant deferral / active EE | $4,914 | $4,050+21.3% | $3,704+32.7% | $5,609-12.4% |
| Admin fee / account holder | $4,693 | $5,895-20.4% | $5,104-8.1% | $10,828-56.7% |