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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 | $85,945 | $84,493+1.7% | $125,381-31.5% | $66,938+28.4% |
| Participation rate | 55.9% | 76.4%-20.5pp | 82.4%-26.5pp | 69.8%-13.9pp |
| Annual return | -10.55% | -8.49%-2.1pp | 572.31%-582.9pp | 1.58%-12.1pp |
| Employer contribution / active EE | $1,960 | $3,554-44.9% | $4,815-59.3% | $2,545-23.0% |
| Participant deferral / active EE | $4,661 | $6,783-31.3% | $7,448-37.4% | $4,238+10.0% |
| Admin fee / account holder | $4,479 | $685+553.8% | $10,007-55.2% | $594+654.6% |