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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 | $110,669 | $167,362-33.9% | $143,799-23.0% | $134,532-17.7% |
| Participation rate | 66.7% | 84.8%-18.2pp | 80.3%-13.6pp | 81.2%-14.6pp |
| Annual return | -14.48% | 0.47%-15.0pp | -0.04%-14.4pp | 418.27%-432.8pp |
| Employer contribution / active EE | $2,056 | $5,620-63.4% | $4,952-58.5% | $4,741-56.6% |
| Participant deferral / active EE | $8,584 | $6,447+33.1% | $5,638+52.2% | $6,401+34.1% |
| Admin fee / account holder | $1,028 | $18,094-94.3% | $14,677-93.0% | $11,429-91.0% |