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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 | $45,806 | $65,566-30.1% | $86,235-46.9% | $75,177-39.1% |
| Participation rate | 42.9% | 60.5%-17.6pp | 69.0%-26.1pp | 67.2%-24.3pp |
| Annual return | 97.35% | 46.07%+51.3pp | 1170.03%-1072.7pp | 160.75%-63.4pp |
| Employer contribution / active EE | $789 | $1,553-49.2% | $2,381-66.8% | $2,671-70.4% |
| Participant deferral / active EE | $1,875 | $3,023-38.0% | $3,987-53.0% | $4,126-54.6% |
| Admin fee / account holder | $1,782 | $5,470-67.4% | $6,856-74.0% | $5,651-68.5% |