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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 | $43,806 | $106,008-58.7% | $92,240-52.5% | $147,586-70.3% |
| Participation rate | 52.6% | 80.4%-27.8pp | 76.5%-23.9pp | 82.8%-30.2pp |
| Annual return | 10.26% | 50.05%-39.8pp | 176.29%-166.0pp | 578.59%-568.3pp |
| Employer contribution / active EE | $1,582 | $4,333-63.5% | $3,680-57.0% | $4,876-67.6% |
| Participant deferral / active EE | $4,054 | $4,478-9.5% | $3,897+4.0% | $5,439-25.5% |
| Admin fee / account holder | $2,095 | $6,333-66.9% | $5,194-59.7% | $10,886-80.8% |