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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 | $66,507 | $56,431+17.9% | $130,788-49.1% | $87,485-24.0% |
| Participation rate | 41.2% | 58.9%-17.8pp | 70.1%-28.9pp | 68.9%-27.8pp |
| Annual return | 13.85% | 91.27%-77.4pp | 386.44%-372.6pp | 26.06%-12.2pp |
| Employer contribution / active EE | $681 | $1,549-56.0% | $3,558-80.8% | $2,596-73.8% |
| Participant deferral / active EE | $932 | $2,749-66.1% | $4,137-77.5% | $4,274-78.2% |
| Admin fee / account holder | $1,608 | $4,433-63.7% | $6,673-75.9% | $7,775-79.3% |