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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 | $58,798 | $102,385-42.6% | $147,080-60.0% | $80,935-27.4% |
| Participation rate | 62.1% | 75.9%-13.8pp | 82.2%-20.1pp | 67.7%-5.6pp |
| Annual return | 22.46% | 135.09%-112.6pp | 420.17%-397.7pp | 35.66%-13.2pp |
| Employer contribution / active EE | $2,775 | $3,717-25.3% | $4,933-43.8% | $2,757+0.7% |
| Participant deferral / active EE | $4,420 | $6,651-33.5% | $8,066-45.2% | $4,299+2.8% |
| Admin fee / account holder | $437 | $7,951-94.5% | $12,989-96.6% | $6,924-93.7% |