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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 | $95,837 | $167,353-42.7% | $143,797-33.4% | $134,545-28.8% |
| Participation rate | 60.0% | 84.8%-24.8pp | 80.3%-20.3pp | 81.2%-21.2pp |
| Annual return | -17.45% | 0.48%-17.9pp | -0.04%-17.4pp | 418.37%-435.8pp |
| Employer contribution / active EE | $5,323 | $5,620-5.3% | $4,952+7.5% | $4,742+12.3% |
| Participant deferral / active EE | $8,335 | $6,447+29.3% | $5,638+47.8% | $6,401+30.2% |
| Admin fee / account holder | $546 | $18,096-97.0% | $14,679-96.3% | $11,431-95.2% |