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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 | $45,756 | $102,382-55.3% | $147,005-68.9% | $80,874-43.4% |
| Participation rate | 68.3% | 75.8%-7.5pp | 82.2%-13.8pp | 67.6%+0.7pp |
| Annual return | 19.76% | 134.89%-115.1pp | 418.76%-399.0pp | 35.62%-15.9pp |
| Employer contribution / active EE | $2,882 | $3,715-22.4% | $4,934-41.6% | $2,756+4.6% |
| Participant deferral / active EE | $8,770 | $6,646+31.9% | $8,070+8.7% | $4,297+104.1% |
| Admin fee / account holder | $18,258 | $7,942+129.9% | $13,006+40.4% | $6,935+163.3% |