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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 | $118,061 | $54,370+117.1% | $82,763+42.6% | $68,490+72.4% |
| Participation rate | 68.8% | 63.9%+4.8pp | 72.6%-3.8pp | 67.9%+0.9pp |
| Annual return | -14.89% | -13.67%-1.2pp | 702.45%-717.3pp | -7.85%-7.0pp |
| Employer contribution / active EE | $2,366 | $2,219+6.6% | $3,008-21.4% | $2,597-8.9% |
| Participant deferral / active EE | $5,227 | $3,247+61.0% | $4,395+18.9% | $4,028+29.8% |
| Admin fee / account holder | $11,686 | $4,398+165.7% | $5,325+119.4% | $5,403+116.3% |