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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 | $86,417 | $133,998-35.5% | $112,263-23.0% | $134,545-35.8% |
| Participation rate | 60.0% | 78.6%-18.6pp | 75.1%-15.1pp | 81.2%-21.2pp |
| Annual return | -19.84% | 47.17%-67.0pp | 27.49%-47.3pp | 418.37%-438.2pp |
| Employer contribution / active EE | $2,717 | $4,040-32.8% | $3,636-25.3% | $4,742-42.7% |
| Participant deferral / active EE | $8,146 | $5,292+53.9% | $4,729+72.2% | $6,401+27.3% |
| Admin fee / account holder | $4,192 | $7,493-44.0% | $6,410-34.6% | $11,431-63.3% |