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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 | $168,132 | $84,628+98.7% | $61,501+173.4% | $134,545+25.0% |
| Participation rate | 16.7% | 62.2%-45.5pp | 52.6%-35.9pp | 81.2%-64.6pp |
| Annual return | -12.75% | 585.61%-598.4pp | 339.04%-351.8pp | 418.37%-431.1pp |
| Employer contribution / active EE | $413 | $1,545-73.3% | $1,160-64.4% | $4,742-91.3% |
| Participant deferral / active EE | $4,555 | $2,819+61.6% | $2,125+114.4% | $6,401-28.8% |
| Admin fee / account holder | $13,367 | $2,587+416.6% | $2,132+527.1% | $11,431+16.9% |