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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 | $54,310 | $75,832-28.4% | $147,617-63.2% | $59,633-8.9% |
| Participation rate | 64.5% | 71.6%-7.0pp | 84.6%-20.1pp | 68.7%-4.2pp |
| Annual return | -1.03% | 0.37%-1.4pp | 61.98%-63.0pp | 2041.45%-2042.5pp |
| Employer contribution / active EE | $1,268 | $3,485-63.6% | $5,564-77.2% | $2,203-42.4% |
| Participant deferral / active EE | $2,057 | $3,131-34.3% | $4,895-58.0% | $3,192-35.6% |
| Admin fee / account holder | $2,477 | $5,986-58.6% | $11,612-78.7% | $4,297-42.3% |