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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 | $13,738 | $41,151-66.6% | $80,648-83.0% | $71,529-80.8% |
| Participation rate | 32.0% | 50.2%-18.2pp | 67.0%-35.0pp | 67.9%-35.9pp |
| Annual return | 98.35% | 38.49%+59.9pp | 937.21%-838.9pp | 28.97%+69.4pp |
| Employer contribution / active EE | $1,326 | $1,513-12.4% | $2,724-51.3% | $2,590-48.8% |
| Participant deferral / active EE | $2,321 | $2,700-14.1% | $4,443-47.8% | $4,291-45.9% |
| Admin fee / account holder | $643 | $1,842-65.1% | $5,382-88.1% | $1,588-59.5% |