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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 | $49,738 | $102,382-51.4% | $147,005-66.2% | $80,874-38.5% |
| Participation rate | 43.3% | 75.8%-32.5pp | 82.2%-38.8pp | 67.6%-24.3pp |
| Annual return | 18.70% | 134.89%-116.2pp | 418.76%-400.1pp | 35.62%-16.9pp |
| Employer contribution / active EE | $0 | $3,715-100.0% | $4,934-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $4,668 | $6,646-29.8% | $8,070-42.2% | $4,297+8.6% |
| Admin fee / account holder | $3,036 | $7,942-61.8% | $13,006-76.7% | $6,935-56.2% |