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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 | $44,031 | $102,382-57.0% | $147,005-70.0% | $80,874-45.6% |
| Participation rate | 50.0% | 75.8%-25.8pp | 82.2%-32.2pp | 67.6%-17.6pp |
| Annual return | 13.23% | 134.89%-121.7pp | 418.76%-405.5pp | 35.62%-22.4pp |
| Employer contribution / active EE | $1,200 | $3,715-67.7% | $4,934-75.7% | $2,756-56.5% |
| Participant deferral / active EE | $3,164 | $6,646-52.4% | $8,070-60.8% | $4,297-26.4% |
| Admin fee / account holder | $997 | $7,942-87.4% | $13,006-92.3% | $6,935-85.6% |