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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 | $82,447 | $91,536-9.9% | $130,062-36.6% | $75,177+9.7% |
| Participation rate | 67.6% | 71.5%-3.8pp | 78.5%-10.9pp | 67.2%+0.4pp |
| Annual return | 15.57% | -631.62%+647.2pp | -137.37%+152.9pp | 160.75%-145.2pp |
| Employer contribution / active EE | $2,040 | $2,845-28.3% | $4,322-52.8% | $2,671-23.6% |
| Participant deferral / active EE | $4,636 | $4,343+6.7% | $5,821-20.4% | $4,126+12.3% |
| Admin fee / account holder | $1,579 | $6,780-76.7% | $10,601-85.1% | $5,651-72.1% |