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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 | $54,858 | $99,032-44.6% | $80,022-31.4% | $135,380-59.5% |
| Participation rate | 42.9% | 78.4%-35.5pp | 75.8%-33.0pp | 82.6%-39.8pp |
| Annual return | -4.04% | 15.39%-19.4pp | 11.22%-15.3pp | 519.81%-523.8pp |
| Employer contribution / active EE | $9,090 | $3,043+198.7% | $2,468+268.3% | $4,779+90.2% |
| Participant deferral / active EE | $20,614 | $4,282+381.4% | $3,686+459.3% | $5,609+267.5% |
| Admin fee / account holder | $5,236 | $10,436-49.8% | $6,521-19.7% | $10,828-51.6% |