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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 | $37,523 | $197,819-81.0% | $155,789-75.9% | $125,388-70.1% |
| Participation rate | 36.4% | 82.1%-45.7pp | 76.1%-39.7pp | 83.2%-46.8pp |
| Annual return | -0.44% | 86.73%-87.2pp | 71.54%-72.0pp | 282.24%-282.7pp |
| Employer contribution / active EE | $1,080 | $4,850-77.7% | $3,839-71.9% | $4,866-77.8% |
| Participant deferral / active EE | $1,851 | $5,631-67.1% | $4,798-61.4% | $5,352-65.4% |
| Admin fee / account holder | $1,799 | $9,544-81.2% | $7,477-75.9% | $9,541-81.1% |