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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 | $29,477 | $45,152-34.7% | $73,836-60.1% | $59,633-50.6% |
| Participation rate | 60.6% | 64.0%-3.4pp | 73.4%-12.8pp | 68.7%-8.1pp |
| Annual return | 0.02% | 27.40%-27.4pp | 2268.06%-2268.0pp | 2041.45%-2041.4pp |
| Employer contribution / active EE | $3,665 | $1,901+92.8% | $2,787+31.5% | $2,203+66.4% |
| Participant deferral / active EE | $4,913 | $2,573+91.0% | $3,583+37.1% | $3,192+53.9% |
| Admin fee / account holder | $2,223 | $3,515-36.7% | $4,882-54.5% | $4,297-48.3% |