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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 | $61,198 | $102,382-40.2% | $147,005-58.4% | $80,874-24.3% |
| Participation rate | 65.1% | 75.8%-10.7pp | 82.2%-17.0pp | 67.6%-2.5pp |
| Annual return | 13.84% | 134.89%-121.1pp | 418.76%-404.9pp | 35.62%-21.8pp |
| Employer contribution / active EE | $2,300 | $3,715-38.1% | $4,934-53.4% | $2,756-16.5% |
| Participant deferral / active EE | $5,369 | $6,646-19.2% | $8,070-33.5% | $4,297+25.0% |
| Admin fee / account holder | $3,581 | $7,942-54.9% | $13,006-72.5% | $6,935-48.4% |