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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 | $69,912 | $167,362-58.2% | $143,799-51.4% | $134,532-48.0% |
| Participation rate | 66.7% | 84.8%-18.2pp | 80.3%-13.6pp | 81.2%-14.6pp |
| Annual return | -18.37% | 0.47%-18.8pp | -0.04%-18.3pp | 418.27%-436.6pp |
| Employer contribution / active EE | $1,215 | $5,620-78.4% | $4,952-75.5% | $4,741-74.4% |
| Participant deferral / active EE | $2,318 | $6,447-64.0% | $5,638-58.9% | $6,401-63.8% |
| Admin fee / account holder | $6,312 | $18,094-65.1% | $14,677-57.0% | $11,429-44.8% |