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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 | $187,563 | $91,536+104.9% | $130,062+44.2% | $75,177+149.5% |
| Participation rate | 45.7% | 71.5%-25.7pp | 78.5%-32.8pp | 67.2%-21.5pp |
| Annual return | 73.92% | -631.62%+705.5pp | -137.37%+211.3pp | 160.75%-86.8pp |
| Employer contribution / active EE | $1,918 | $2,845-32.6% | $4,322-55.6% | $2,671-28.2% |
| Participant deferral / active EE | $2,934 | $4,343-32.4% | $5,821-49.6% | $4,126-28.9% |
| Admin fee / account holder | $3,438 | $6,780-49.3% | $10,601-67.6% | $5,651-39.2% |