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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 | $89,874 | $102,393-12.2% | $147,041-38.9% | $80,911+11.1% |
| Participation rate | 57.6% | 75.9%-18.3pp | 82.2%-24.6pp | 67.6%-10.1pp |
| Annual return | 11.87% | 134.95%-123.1pp | 419.21%-407.3pp | 35.63%-23.8pp |
| Employer contribution / active EE | $2,011 | $3,715-45.9% | $4,935-59.2% | $2,756-27.0% |
| Participant deferral / active EE | $5,139 | $6,647-22.7% | $8,071-36.3% | $4,297+19.6% |
| Admin fee / account holder | $523 | $7,943-93.4% | $13,006-96.0% | $6,935-92.5% |