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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 | $110,537 | $167,362-34.0% | $143,799-23.1% | $134,532-17.8% |
| Participation rate | 57.1% | 84.8%-27.7pp | 80.3%-23.2pp | 81.2%-24.1pp |
| Annual return | -17.90% | 0.47%-18.4pp | -0.04%-17.9pp | 418.27%-436.2pp |
| Employer contribution / active EE | $2,219 | $5,620-60.5% | $4,952-55.2% | $4,741-53.2% |
| Participant deferral / active EE | $7,875 | $6,447+22.1% | $5,638+39.7% | $6,401+23.0% |
| Admin fee / account holder | $569 | $18,094-96.9% | $14,677-96.1% | $11,429-95.0% |