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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 | $96,402 | $82,678+16.6% | $125,391-23.1% | $68,490+40.8% |
| Participation rate | 44.4% | 75.1%-30.6pp | 82.4%-37.9pp | 67.9%-23.5pp |
| Annual return | -14.07% | -5.97%-8.1pp | 572.41%-586.5pp | -7.85%-6.2pp |
| Employer contribution / active EE | $1,995 | $3,382-41.0% | $4,816-58.6% | $2,597-23.2% |
| Participant deferral / active EE | $6,889 | $6,111+12.7% | $7,448-7.5% | $4,028+71.0% |
| Admin fee / account holder | $13,352 | $6,277+112.7% | $10,009+33.4% | $5,403+147.1% |