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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 | $41,718 | $73,546-43.3% | $63,018-33.8% | $147,586-71.7% |
| Participation rate | 50.0% | 77.9%-27.9pp | 74.8%-24.8pp | 82.8%-32.8pp |
| Annual return | 10.94% | 175.56%-164.6pp | 87.62%-76.7pp | 578.59%-567.7pp |
| Employer contribution / active EE | $1,032 | $3,324-69.0% | $2,761-62.6% | $4,876-78.8% |
| Participant deferral / active EE | $11,325 | $4,185+170.6% | $3,330+240.1% | $5,439+108.2% |
| Admin fee / account holder | $472 | $5,956-92.1% | $3,601-86.9% | $10,886-95.7% |