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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 | $56,529 | $102,382-44.8% | $147,005-61.5% | $80,874-30.1% |
| Participation rate | 69.0% | 75.8%-6.9pp | 82.2%-13.2pp | 67.6%+1.3pp |
| Annual return | 17.61% | 134.89%-117.3pp | 418.76%-401.2pp | 35.62%-18.0pp |
| Employer contribution / active EE | $1,900 | $3,715-48.9% | $4,934-61.5% | $2,756-31.1% |
| Participant deferral / active EE | $5,396 | $6,646-18.8% | $8,070-33.1% | $4,297+25.6% |
| Admin fee / account holder | $619 | $7,942-92.2% | $13,006-95.2% | $6,935-91.1% |