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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 | $44,825 | $67,396-33.5% | $60,919-26.4% | $134,545-66.7% |
| Participation rate | 55.6% | 76.2%-20.6pp | 73.1%-17.5pp | 81.2%-25.7pp |
| Annual return | -17.24% | 50.12%-67.4pp | 16.96%-34.2pp | 418.37%-435.6pp |
| Employer contribution / active EE | $2,683 | $3,101-13.5% | $2,704-0.8% | $4,742-43.4% |
| Participant deferral / active EE | $5,048 | $4,534+11.3% | $3,814+32.3% | $6,401-21.1% |
| Admin fee / account holder | $2,590 | $4,590-43.6% | $3,228-19.8% | $11,431-77.3% |