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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 | $50,726 | $91,525-44.6% | $130,026-61.0% | $75,181-32.5% |
| Participation rate | 25.0% | 71.4%-46.4pp | 78.5%-53.5pp | 67.2%-42.2pp |
| Annual return | 15.75% | -631.40%+647.1pp | -137.26%+153.0pp | 160.69%-144.9pp |
| Employer contribution / active EE | $852 | $2,844-70.1% | $4,321-80.3% | $2,671-68.1% |
| Participant deferral / active EE | $2,035 | $4,342-53.1% | $5,821-65.0% | $4,126-50.7% |
| Admin fee / account holder | $4,833 | $6,778-28.7% | $10,608-54.4% | $5,650-14.5% |