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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 | $75,516 | $91,525-17.5% | $130,026-41.9% | $75,181+0.4% |
| Participation rate | 68.1% | 71.4%-3.4pp | 78.5%-10.4pp | 67.2%+0.9pp |
| Annual return | 31.99% | -631.40%+663.4pp | -137.26%+169.2pp | 160.69%-128.7pp |
| Employer contribution / active EE | $3,787 | $2,844+33.1% | $4,321-12.4% | $2,671+41.8% |
| Participant deferral / active EE | $2,545 | $4,342-41.4% | $5,821-56.3% | $4,126-38.3% |
| Admin fee / account holder | $727 | $6,778-89.3% | $10,608-93.1% | $5,650-87.1% |