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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 | $48,736 | $49,896-2.3% | $80,627-39.6% | $75,173-35.2% |
| Participation rate | 27.7% | 55.3%-27.6pp | 67.0%-39.3pp | 67.2%-39.5pp |
| Annual return | 21.58% | 34.67%-13.1pp | 936.76%-915.2pp | 160.72%-139.1pp |
| Employer contribution / active EE | $749 | $1,699-55.9% | $2,723-72.5% | $2,671-72.0% |
| Participant deferral / active EE | $1,352 | $2,992-54.8% | $4,443-69.6% | $4,126-67.2% |
| Admin fee / account holder | $16,230 | $3,578+353.6% | $5,381+201.6% | $5,651+187.2% |