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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 | $70,756 | $138,076-48.8% | $123,553-42.7% | $135,380-47.7% |
| Participation rate | 45.5% | 84.7%-39.3pp | 82.3%-36.8pp | 82.6%-37.2pp |
| Annual return | -6.39% | 153.70%-160.1pp | 119.21%-125.6pp | 519.81%-526.2pp |
| Employer contribution / active EE | $1,299 | $5,152-74.8% | $4,628-71.9% | $4,779-72.8% |
| Participant deferral / active EE | $4,452 | $6,800-34.5% | $6,426-30.7% | $5,609-20.6% |
| Admin fee / account holder | $1,699 | $10,917-84.4% | $9,284-81.7% | $10,828-84.3% |