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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 | $94,971 | $78,694+20.7% | $67,652+40.4% | $125,389-24.3% |
| Participation rate | 60.9% | 78.8%-17.9pp | 75.7%-14.8pp | 83.2%-22.3pp |
| Annual return | -1.52% | 9.46%-11.0pp | 6625.40%-6626.9pp | 282.24%-283.8pp |
| Employer contribution / active EE | $739 | $3,044-75.7% | $2,266-67.4% | $4,866-84.8% |
| Participant deferral / active EE | $3,415 | $4,292-20.4% | $3,560-4.1% | $5,352-36.2% |
| Admin fee / account holder | $1,686 | $7,403-77.2% | $4,821-65.0% | $9,541-82.3% |