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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 | $81,466 | $91,536-11.0% | $130,062-37.4% | $75,177+8.4% |
| Participation rate | 55.6% | 71.5%-15.9pp | 78.5%-23.0pp | 67.2%-11.6pp |
| Annual return | 15.71% | -631.62%+647.3pp | -137.37%+153.1pp | 160.75%-145.0pp |
| Employer contribution / active EE | $1,288 | $2,845-54.7% | $4,322-70.2% | $2,671-51.8% |
| Participant deferral / active EE | $4,520 | $4,343+4.1% | $5,821-22.3% | $4,126+9.5% |
| Admin fee / account holder | $3,554 | $6,780-47.6% | $10,601-66.5% | $5,651-37.1% |