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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 | $42,919 | $80,812-46.9% | $160,784-73.3% | $82,448-47.9% |
| Participation rate | 48.1% | 66.2%-18.2pp | 77.0%-28.9pp | 68.1%-20.0pp |
| Annual return | 20.04% | 100.59%-80.5pp | 1803.92%-1783.9pp | 41.64%-21.6pp |
| Employer contribution / active EE | $3,310 | $2,174+52.3% | $3,733-11.3% | $2,551+29.7% |
| Participant deferral / active EE | $5,162 | $4,335+19.1% | $6,293-18.0% | $4,139+24.7% |
| Admin fee / account holder | $2,579 | $7,695-66.5% | $9,717-73.5% | $7,234-64.3% |