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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 | $53,309 | $167,504-68.2% | $151,628-64.8% | $134,509-60.4% |
| Participation rate | 66.7% | 88.4%-21.7pp | 87.5%-20.8pp | 81.2%-14.6pp |
| Annual return | -13.69% | 7.81%-21.5pp | 3.34%-17.0pp | 418.13%-431.8pp |
| Employer contribution / active EE | $3,522 | $6,828-48.4% | $6,165-42.9% | $4,741-25.7% |
| Participant deferral / active EE | $4,412 | $8,985-50.9% | $8,363-47.2% | $6,400-31.1% |
| Admin fee / account holder | $10,804 | $13,779-21.6% | $11,613-7.0% | $11,427-5.4% |