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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 | $57,994 | $101,653-42.9% | $147,080-60.6% | $74,459-22.1% |
| Participation rate | 40.2% | 75.6%-35.4pp | 82.2%-42.0pp | 67.2%-27.0pp |
| Annual return | 16.22% | 8754.98%-8738.8pp | 420.17%-403.9pp | 1369.70%-1353.5pp |
| Employer contribution / active EE | $1,677 | $3,813-56.0% | $4,933-66.0% | $2,626-36.1% |
| Participant deferral / active EE | $5,170 | $7,304-29.2% | $8,066-35.9% | $4,350+18.8% |
| Admin fee / account holder | $13,584 | $1,752+675.5% | $12,989+4.6% | $1,945+598.5% |