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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 | $51,789 | $154,193-66.4% | $130,045-60.2% | $139,466-62.9% |
| Participation rate | 63.6% | 82.0%-18.3pp | 78.5%-14.9pp | 80.3%-16.7pp |
| Annual return | 55.63% | 32.51%+23.1pp | -137.30%+192.9pp | 373.66%-318.0pp |
| Employer contribution / active EE | $1,153 | $5,292-78.2% | $4,321-73.3% | $4,754-75.8% |
| Participant deferral / active EE | $2,200 | $6,709-67.2% | $5,820-62.2% | $6,712-67.2% |
| Admin fee / account holder | $26,137 | $13,989+86.8% | $10,600+146.6% | $11,409+129.1% |