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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 | $33,397 | $142,392-76.5% | $119,622-72.1% | $134,532-75.2% |
| Participation rate | 66.7% | 82.8%-16.2pp | 79.3%-12.6pp | 81.2%-14.6pp |
| Annual return | -16.93% | -12.46%-4.5pp | -14.98%-1.9pp | 418.27%-435.2pp |
| Employer contribution / active EE | $4,522 | $5,224-13.4% | $4,232+6.8% | $4,741-4.6% |
| Participant deferral / active EE | $4,890 | $6,467-24.4% | $5,601-12.7% | $6,401-23.6% |
| Admin fee / account holder | $1,886 | $13,593-86.1% | $10,328-81.7% | $11,429-83.5% |