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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 | $75,492 | $95,975-21.3% | $74,552+1.3% | $135,382-44.2% |
| Participation rate | 65.0% | 75.7%-10.7pp | 69.1%-4.1pp | 82.6%-17.6pp |
| Annual return | -7.40% | 56.96%-64.4pp | 32.53%-39.9pp | 519.77%-527.2pp |
| Employer contribution / active EE | $1,728 | $2,716-36.4% | $1,961-11.9% | $4,779-63.8% |
| Participant deferral / active EE | $3,891 | $3,844+1.2% | $3,108+25.2% | $5,609-30.6% |
| Admin fee / account holder | $1,786 | $6,522-72.6% | $5,060-64.7% | $10,829-83.5% |