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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 | $43,559 | $102,393-57.5% | $147,041-70.4% | $80,911-46.2% |
| Participation rate | 69.0% | 75.9%-6.9pp | 82.2%-13.2pp | 67.6%+1.3pp |
| Annual return | 14.84% | 134.95%-120.1pp | 419.21%-404.4pp | 35.63%-20.8pp |
| Employer contribution / active EE | $1,378 | $3,715-62.9% | $4,935-72.1% | $2,756-50.0% |
| Participant deferral / active EE | $4,377 | $6,647-34.2% | $8,071-45.8% | $4,297+1.8% |
| Admin fee / account holder | $518 | $7,943-93.5% | $13,006-96.0% | $6,935-92.5% |