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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 | $50,504 | $90,320-44.1% | $59,496-15.1% | $125,389-59.7% |
| Participation rate | 40.0% | 68.3%-28.3pp | 54.6%-14.6pp | 83.2%-43.2pp |
| Annual return | -2.30% | 369.13%-371.4pp | 182.05%-184.3pp | 282.24%-284.5pp |
| Employer contribution / active EE | $1,898 | $1,792+5.9% | $1,153+64.6% | $4,866-61.0% |
| Participant deferral / active EE | $4,536 | $2,716+67.0% | $1,829+148.0% | $5,352-15.2% |
| Admin fee / account holder | $492 | $3,063-83.9% | $2,232-77.9% | $9,541-94.8% |