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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 | $151,601 | $96,691+56.8% | $86,656+74.9% | $139,487+8.7% |
| Participation rate | 25.0% | 74.4%-49.4pp | 71.7%-46.7pp | 80.3%-55.3pp |
| Annual return | 15.79% | 106.87%-91.1pp | 593.09%-577.3pp | 373.84%-358.1pp |
| Employer contribution / active EE | $0 | $3,267-100.0% | $3,025-100.0% | $4,755-100.0% |
| Participant deferral / active EE | $2,744 | $4,838-43.3% | $4,439-38.2% | $6,713-59.1% |
| Admin fee / account holder | $79,856 | $6,414+1145.0% | $5,619+1321.3% | $11,407+600.0% |