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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 | $144,023 | $39,798+261.9% | $67,704+112.7% | $59,633+141.5% |
| Participation rate | 57.7% | 57.4%+0.3pp | 67.5%-9.8pp | 68.7%-11.0pp |
| Annual return | 1.15% | 89.94%-88.8pp | 25.41%-24.3pp | 2041.45%-2040.3pp |
| Employer contribution / active EE | $2,179 | $1,393+56.4% | $2,559-14.9% | $2,203-1.1% |
| Participant deferral / active EE | $4,191 | $2,335+79.5% | $3,585+16.9% | $3,192+31.3% |
| Admin fee / account holder | $1,795 | $3,212-44.1% | $4,255-57.8% | $4,297-58.2% |