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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 | $52,623 | $102,382-48.6% | $147,005-64.2% | $80,874-34.9% |
| Participation rate | 38.2% | 75.8%-37.6pp | 82.2%-43.9pp | 67.6%-29.4pp |
| Annual return | 18.57% | 134.89%-116.3pp | 418.76%-400.2pp | 35.62%-17.0pp |
| Employer contribution / active EE | $2,452 | $3,715-34.0% | $4,934-50.3% | $2,756-11.0% |
| Participant deferral / active EE | $4,606 | $6,646-30.7% | $8,070-42.9% | $4,297+7.2% |
| Admin fee / account holder | $2,997 | $7,942-62.3% | $13,006-77.0% | $6,935-56.8% |