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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 | $102,385-57.5% | $147,080-70.4% | $80,935-46.2% |
| Participation rate | 69.0% | 75.9%-6.9pp | 82.2%-13.2pp | 67.7%+1.3pp |
| Annual return | 14.84% | 135.09%-120.3pp | 420.17%-405.3pp | 35.66%-20.8pp |
| Employer contribution / active EE | $1,378 | $3,717-62.9% | $4,933-72.1% | $2,757-50.0% |
| Participant deferral / active EE | $4,377 | $6,651-34.2% | $8,066-45.7% | $4,299+1.8% |
| Admin fee / account holder | $518 | $7,951-93.5% | $12,989-96.0% | $6,924-92.5% |