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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 | $64,958 | $110,410-41.2% | $102,437-36.6% | $145,897-55.5% |
| Participation rate | 50.0% | 77.9%-27.9pp | 74.5%-24.5pp | 80.3%-30.3pp |
| Annual return | 69.27% | 24.85%+44.4pp | 24.95%+44.3pp | 552.29%-483.0pp |
| Employer contribution / active EE | $2,030 | $4,217-51.9% | $3,871-47.5% | $4,663-56.5% |
| Participant deferral / active EE | $4,786 | $5,622-14.9% | $5,060-5.4% | $6,689-28.4% |
| Admin fee / account holder | $4,415 | $9,745-54.7% | $8,388-47.4% | $13,390-67.0% |