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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 | $70,929 | $69,012+2.8% | $160,009-55.7% | $68,486+3.6% |
| Participation rate | 31.3% | 65.4%-34.2pp | 78.0%-46.7pp | 67.9%-36.6pp |
| Annual return | -16.54% | -9.65%-6.9pp | 408.85%-425.4pp | -7.85%-8.7pp |
| Employer contribution / active EE | $946 | $2,212-57.3% | $4,225-77.6% | $2,597-63.6% |
| Participant deferral / active EE | $2,135 | $4,212-49.3% | $6,183-65.5% | $4,028-47.0% |
| Admin fee / account holder | $3,284 | $4,798-31.6% | $8,715-62.3% | $5,404-39.2% |