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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 | $165,206 | $82,324+100.7% | $68,803+140.1% | $134,545+22.8% |
| Participation rate | 57.1% | 75.1%-17.9pp | 69.0%-11.9pp | 81.2%-24.1pp |
| Annual return | -17.82% | -2.17%-15.7pp | -6.37%-11.5pp | 418.37%-436.2pp |
| Employer contribution / active EE | $8,430 | $3,302+155.3% | $2,656+217.4% | $4,742+77.8% |
| Participant deferral / active EE | $7,200 | $4,740+51.9% | $3,942+82.7% | $6,401+12.5% |
| Admin fee / account holder | $891 | $6,485-86.3% | $4,936-82.0% | $11,431-92.2% |