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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 | $85,700 | $129,959-34.1% | $104,301-17.8% | $134,532-36.3% |
| Participation rate | 63.6% | 79.5%-15.9pp | 73.3%-9.6pp | 81.2%-17.6pp |
| Annual return | -18.74% | 42.04%-60.8pp | 24.61%-43.4pp | 418.27%-437.0pp |
| Employer contribution / active EE | $1,614 | $4,185-61.4% | $3,373-52.1% | $4,741-66.0% |
| Participant deferral / active EE | $7,174 | $5,589+28.4% | $4,626+55.1% | $6,401+12.1% |
| Admin fee / account holder | $1,160 | $9,325-87.6% | $7,340-84.2% | $11,429-89.9% |