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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 | $118,725 | $105,867+12.1% | $90,760+30.8% | $134,532-11.7% |
| Participation rate | 55.6% | 78.3%-22.7pp | 75.7%-20.1pp | 81.2%-25.7pp |
| Annual return | -19.29% | -10.99%-8.3pp | -12.16%-7.1pp | 418.27%-437.6pp |
| Employer contribution / active EE | $2,996 | $3,464-13.5% | $2,922+2.5% | $4,741-36.8% |
| Participant deferral / active EE | $6,600 | $5,217+26.5% | $4,565+44.6% | $6,401+3.1% |
| Admin fee / account holder | $3,703 | $13,936-73.4% | $8,444-56.1% | $11,429-67.6% |