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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 | $77,958 | $150,346-48.1% | $120,524-35.3% | $145,877-46.6% |
| Participation rate | 50.0% | 78.8%-28.8pp | 71.9%-21.9pp | 80.3%-30.3pp |
| Annual return | 12.38% | 154.40%-142.0pp | 107.36%-95.0pp | 551.28%-538.9pp |
| Employer contribution / active EE | $2,313 | $4,353-46.9% | $3,469-33.3% | $4,663-50.4% |
| Participant deferral / active EE | $2,891 | $6,172-53.2% | $4,994-42.1% | $6,691-56.8% |
| Admin fee / account holder | $4,903 | $12,215-59.9% | $9,440-48.1% | $13,402-63.4% |