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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 | $42,335 | $85,766-50.6% | $136,297-68.9% | $70,124-39.6% |
| Participation rate | 35.5% | 74.2%-38.7pp | 81.9%-46.4pp | 69.5%-34.1pp |
| Annual return | 20.47% | 31.45%-11.0pp | 5156.19%-5135.7pp | 73.14%-52.7pp |
| Employer contribution / active EE | $2,439 | $2,966-17.8% | $4,696-48.1% | $2,342+4.1% |
| Participant deferral / active EE | $6,164 | $5,051+22.0% | $6,247-1.3% | $3,332+85.0% |
| Admin fee / account holder | $10,734 | $5,420+98.0% | $9,244+16.1% | $4,645+131.1% |