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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 | $74,374 | $133,998-44.5% | $112,263-33.8% | $134,545-44.7% |
| Participation rate | 55.6% | 78.6%-23.0pp | 75.1%-19.5pp | 81.2%-25.7pp |
| Annual return | -19.07% | 47.17%-66.2pp | 27.49%-46.6pp | 418.37%-437.4pp |
| Employer contribution / active EE | $2,836 | $4,040-29.8% | $3,636-22.0% | $4,742-40.2% |
| Participant deferral / active EE | $8,123 | $5,292+53.5% | $4,729+71.8% | $6,401+26.9% |
| Admin fee / account holder | $9,868 | $7,493+31.7% | $6,410+53.9% | $11,431-13.7% |