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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 | $53,381 | $57,312-6.9% | $86,617-38.4% | $75,181-29.0% |
| Participation rate | 44.8% | 63.2%-18.4pp | 71.7%-26.9pp | 67.2%-22.4pp |
| Annual return | 22.21% | 2672.78%-2650.6pp | 591.91%-569.7pp | 160.69%-138.5pp |
| Employer contribution / active EE | $997 | $2,315-56.9% | $3,023-67.0% | $2,671-62.7% |
| Participant deferral / active EE | $4,148 | $3,319+25.0% | $4,437-6.5% | $4,126+0.5% |
| Admin fee / account holder | $1,544 | $4,114-62.5% | $5,613-72.5% | $5,650-72.7% |