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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 | $126,571 | $91,536+38.3% | $130,062-2.7% | $75,177+68.4% |
| Participation rate | 67.5% | 71.5%-4.0pp | 78.5%-11.0pp | 67.2%+0.3pp |
| Annual return | 24.50% | -631.62%+656.1pp | -137.37%+161.9pp | 160.75%-136.3pp |
| Employer contribution / active EE | $1,485 | $2,845-47.8% | $4,322-65.6% | $2,671-44.4% |
| Participant deferral / active EE | $3,025 | $4,343-30.3% | $5,821-48.0% | $4,126-26.7% |
| Admin fee / account holder | $10,859 | $6,780+60.2% | $10,601+2.4% | $5,651+92.1% |