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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 | $55,208 | $75,832-27.2% | $147,617-62.6% | $59,633-7.4% |
| Participation rate | 67.1% | 71.6%-4.5pp | 84.6%-17.6pp | 68.7%-1.6pp |
| Annual return | 0.13% | 0.37%-0.2pp | 61.98%-61.9pp | 2041.45%-2041.3pp |
| Employer contribution / active EE | $6,027 | $3,485+72.9% | $5,564+8.3% | $2,203+173.6% |
| Participant deferral / active EE | $1,684 | $3,131-46.2% | $4,895-65.6% | $3,192-47.2% |
| Admin fee / account holder | $2,020 | $5,986-66.3% | $11,612-82.6% | $4,297-53.0% |