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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 | $13,936 | $99,647-86.0% | $86,439-83.9% | $134,509-89.6% |
| Participation rate | 57.1% | 82.1%-24.9pp | 80.3%-23.2pp | 81.2%-24.1pp |
| Annual return | -16.07% | 6784.13%-6800.2pp | 4395.55%-4411.6pp | 418.13%-434.2pp |
| Employer contribution / active EE | $3,676 | $4,401-16.5% | $3,769-2.5% | $4,741-22.5% |
| Participant deferral / active EE | $5,823 | $7,246-19.6% | $6,952-16.2% | $6,400-9.0% |
| Admin fee / account holder | $4,796 | $8,373-42.7% | $6,732-28.8% | $11,427-58.0% |