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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 | $77,567 | $134,001-42.1% | $112,258-30.9% | $134,509-42.3% |
| Participation rate | 66.7% | 78.6%-11.9pp | 75.1%-8.4pp | 81.2%-14.6pp |
| Annual return | -15.31% | 47.15%-62.5pp | 27.47%-42.8pp | 418.13%-433.4pp |
| Employer contribution / active EE | $2,573 | $4,039-36.3% | $3,636-29.2% | $4,741-45.7% |
| Participant deferral / active EE | $5,044 | $5,291-4.7% | $4,728+6.7% | $6,400-21.2% |
| Admin fee / account holder | $12,771 | $7,491+70.5% | $6,411+99.2% | $11,427+11.8% |