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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 | $48,577 | $102,385-52.6% | $147,080-67.0% | $80,935-40.0% |
| Participation rate | 60.6% | 75.9%-15.3pp | 82.2%-21.6pp | 67.7%-7.1pp |
| Annual return | 12.81% | 135.09%-122.3pp | 420.17%-407.4pp | 35.66%-22.9pp |
| Employer contribution / active EE | $1,334 | $3,717-64.1% | $4,933-73.0% | $2,757-51.6% |
| Participant deferral / active EE | $6,634 | $6,651-0.3% | $8,066-17.8% | $4,299+54.3% |
| Admin fee / account holder | $5,677 | $7,951-28.6% | $12,989-56.3% | $6,924-18.0% |