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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 | $80,729 | $95,915-15.8% | $79,580+1.4% | $134,532-40.0% |
| Participation rate | 43.8% | 75.0%-31.3pp | 69.5%-25.7pp | 81.2%-37.5pp |
| Annual return | -13.19% | -2.71%-10.5pp | 0.15%-13.3pp | 418.27%-431.5pp |
| Employer contribution / active EE | $2,775 | $3,129-11.3% | $2,413+15.0% | $4,741-41.5% |
| Participant deferral / active EE | $6,454 | $4,693+37.5% | $3,985+62.0% | $6,401+0.8% |
| Admin fee / account holder | $368 | $9,132-96.0% | $6,835-94.6% | $11,429-96.8% |