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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 | $24,569 | $93,124-73.6% | $77,100-68.1% | $134,545-81.7% |
| Participation rate | 50.0% | 74.5%-24.5pp | 67.9%-17.9pp | 81.2%-31.2pp |
| Annual return | -17.80% | 62.68%-80.5pp | 42.35%-60.1pp | 418.37%-436.2pp |
| Employer contribution / active EE | $6,935 | $3,421+102.7% | $2,815+146.4% | $4,742+46.2% |
| Participant deferral / active EE | $2,799 | $5,242-46.6% | $4,430-36.8% | $6,401-56.3% |
| Admin fee / account holder | $1,569 | $6,970-77.5% | $5,443-71.2% | $11,431-86.3% |