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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 | $93,622 | $104,116-10.1% | $71,089+31.7% | $135,380-30.8% |
| Participation rate | 21.7% | 65.7%-43.9pp | 54.6%-32.9pp | 82.6%-60.9pp |
| Annual return | -8.63% | 1256.51%-1265.1pp | 650.65%-659.3pp | 519.81%-528.4pp |
| Employer contribution / active EE | $504 | $1,485-66.1% | $1,088-53.7% | $4,779-89.5% |
| Participant deferral / active EE | $2,535 | $2,524+0.4% | $1,873+35.4% | $5,609-54.8% |
| Admin fee / account holder | $914 | $4,142-77.9% | $3,082-70.3% | $10,828-91.6% |