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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 | $65,016 | $99,079-34.4% | $78,002-16.6% | $273,972-76.3% |
| Participation rate | 43.8% | 78.6%-34.8pp | 75.5%-31.8pp | 83.0%-39.3pp |
| Annual return | 6.58% | 217.93%-211.4pp | 425.99%-419.4pp | 41.46%-34.9pp |
| Employer contribution / active EE | $1,111 | $3,308-66.4% | $2,470-55.0% | $4,869-77.2% |
| Participant deferral / active EE | $2,764 | $4,306-35.8% | $3,497-21.0% | $5,287-47.7% |
| Admin fee / account holder | $12,749 | $8,954+42.4% | $5,481+132.6% | $10,133+25.8% |