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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 | $43,710 | $85,766-49.0% | $136,298-67.9% | $70,126-37.7% |
| Participation rate | 24.7% | 74.2%-49.4pp | 81.9%-57.2pp | 69.5%-44.8pp |
| Annual return | 22.49% | 31.46%-9.0pp | 5156.27%-5133.8pp | 73.15%-50.7pp |
| Employer contribution / active EE | $0 | $2,966-100.0% | $4,696-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $2,165 | $5,051-57.1% | $6,247-65.3% | $3,332-35.0% |
| Admin fee / account holder | $3,323 | $5,421-38.7% | $9,244-64.0% | $4,645-28.5% |