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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 | $110,453 | $53,063+108.2% | $124,206-11.1% | $82,637+33.7% |
| Participation rate | 34.0% | 58.4%-24.4pp | 69.6%-35.5pp | 68.1%-34.0pp |
| Annual return | 17.50% | 68.87%-51.4pp | 515.27%-497.8pp | 53.51%-36.0pp |
| Employer contribution / active EE | $648 | $1,530-57.6% | $3,540-81.7% | $2,552-74.6% |
| Participant deferral / active EE | $2,160 | $2,644-18.3% | $3,968-45.5% | $4,126-47.6% |
| Admin fee / account holder | $704 | $4,281-83.6% | $5,929-88.1% | $7,339-90.4% |