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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 | $84,210 | $59,467+41.6% | $93,727-10.2% | $74,478+13.1% |
| Participation rate | 33.0% | 59.6%-26.6pp | 68.7%-35.7pp | 67.2%-34.2pp |
| Annual return | 16.76% | 82.14%-65.4pp | 133.83%-117.1pp | 1370.56%-1353.8pp |
| Employer contribution / active EE | $1,071 | $1,267-15.5% | $2,421-55.8% | $2,626-59.2% |
| Participant deferral / active EE | $1,850 | $3,052-39.4% | $4,417-58.1% | $4,350-57.5% |
| Admin fee / account holder | $1,457 | $3,028-51.9% | $8,292-82.4% | $1,946-25.1% |