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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 | $86,019 | $91,536-6.0% | $130,062-33.9% | $75,177+14.4% |
| Participation rate | 57.1% | 71.5%-14.3pp | 78.5%-21.4pp | 67.2%-10.1pp |
| Annual return | 21.48% | -631.62%+653.1pp | -137.37%+158.8pp | 160.75%-139.3pp |
| Employer contribution / active EE | $1,878 | $2,845-34.0% | $4,322-56.5% | $2,671-29.7% |
| Participant deferral / active EE | $4,064 | $4,343-6.4% | $5,821-30.2% | $4,126-1.5% |
| Admin fee / account holder | $3,049 | $6,780-55.0% | $10,601-71.2% | $5,651-46.1% |