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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 | $56,166 | $105,200-46.6% | $159,474-64.8% | $85,847-34.6% |
| Participation rate | 52.0% | 75.8%-23.8pp | 82.8%-30.8pp | 69.3%-17.3pp |
| Annual return | 14.51% | 45.08%-30.6pp | 263.68%-249.2pp | 318.61%-304.1pp |
| Employer contribution / active EE | $2,100 | $3,319-36.7% | $4,831-56.5% | $2,565-18.1% |
| Participant deferral / active EE | $5,407 | $5,946-9.1% | $7,353-26.5% | $3,952+36.8% |
| Admin fee / account holder | $600 | $6,934-91.3% | $10,802-94.4% | $6,261-90.4% |