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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 | $100,477 | $39,798+152.5% | $67,711+48.4% | $59,632+68.5% |
| Participation rate | 11.4% | 57.4%-46.0pp | 67.5%-56.2pp | 68.7%-57.3pp |
| Annual return | -0.08% | 89.94%-90.0pp | 25.41%-25.5pp | 2041.32%-2041.4pp |
| Employer contribution / active EE | $259 | $1,393-81.4% | $2,559-89.9% | $2,203-88.2% |
| Participant deferral / active EE | $915 | $2,335-60.8% | $3,585-74.5% | $3,192-71.3% |
| Admin fee / account holder | $510 | $3,212-84.1% | $4,255-88.0% | $4,297-88.1% |