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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 | $123,045 | $133,981-8.2% | $112,249+9.6% | $134,532-8.5% |
| Participation rate | 66.7% | 78.6%-11.9pp | 75.1%-8.4pp | 81.2%-14.6pp |
| Annual return | -12.33% | 47.16%-59.5pp | 27.48%-39.8pp | 418.27%-430.6pp |
| Employer contribution / active EE | $2,172 | $4,040-46.2% | $3,636-40.3% | $4,741-54.2% |
| Participant deferral / active EE | $10,401 | $5,292+96.5% | $4,729+119.9% | $6,401+62.5% |
| Admin fee / account holder | $1,388 | $7,492-81.5% | $6,412-78.4% | $11,429-87.9% |