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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 | $50,047 | $99,079-49.5% | $78,002-35.8% | $273,972-81.7% |
| Participation rate | 59.1% | 78.6%-19.5pp | 75.5%-16.4pp | 83.0%-23.9pp |
| Annual return | 2.93% | 217.93%-215.0pp | 425.99%-423.1pp | 41.46%-38.5pp |
| Employer contribution / active EE | $768 | $3,308-76.8% | $2,470-68.9% | $4,869-84.2% |
| Participant deferral / active EE | $3,489 | $4,306-19.0% | $3,497-0.2% | $5,287-34.0% |
| Admin fee / account holder | $3,333 | $8,954-62.8% | $5,481-39.2% | $10,133-67.1% |