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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 | $83,913 | $95,975-12.6% | $74,549+12.6% | $135,379-38.0% |
| Participation rate | 43.8% | 75.7%-31.9pp | 69.1%-25.4pp | 82.6%-38.9pp |
| Annual return | -6.85% | 56.96%-63.8pp | 32.53%-39.4pp | 519.79%-526.6pp |
| Employer contribution / active EE | $1,342 | $2,716-50.6% | $1,961-31.5% | $4,779-71.9% |
| Participant deferral / active EE | $3,003 | $3,844-21.9% | $3,108-3.4% | $5,609-46.5% |
| Admin fee / account holder | $962 | $6,522-85.2% | $5,059-81.0% | $10,828-91.1% |