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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 | $52,948 | $90,691-41.6% | $76,119-30.4% | $145,884-63.7% |
| Participation rate | 50.0% | 74.5%-24.5pp | 69.1%-19.1pp | 80.3%-30.3pp |
| Annual return | 12.82% | 624.52%-611.7pp | 361.25%-348.4pp | 551.85%-539.0pp |
| Employer contribution / active EE | $2,067 | $3,329-37.9% | $2,693-23.2% | $4,662-55.7% |
| Participant deferral / active EE | $4,399 | $5,167-14.9% | $4,259+3.3% | $6,690-34.2% |
| Admin fee / account holder | $933 | $8,383-88.9% | $6,421-85.5% | $13,392-93.0% |