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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 | $137,879 | $133,981+2.9% | $112,249+22.8% | $134,532+2.5% |
| Participation rate | 55.6% | 78.6%-23.0pp | 75.1%-19.5pp | 81.2%-25.7pp |
| Annual return | -18.32% | 47.16%-65.5pp | 27.48%-45.8pp | 418.27%-436.6pp |
| Employer contribution / active EE | $1,863 | $4,040-53.9% | $3,636-48.8% | $4,741-60.7% |
| Participant deferral / active EE | $4,503 | $5,292-14.9% | $4,729-4.8% | $6,401-29.7% |
| Admin fee / account holder | $6,231 | $7,492-16.8% | $6,412-2.8% | $11,429-45.5% |