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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 | $159,448 | $167,353-4.7% | $143,797+10.9% | $134,545+18.5% |
| Participation rate | 37.5% | 84.8%-47.3pp | 80.3%-42.8pp | 81.2%-43.7pp |
| Annual return | -16.16% | 0.48%-16.6pp | -0.04%-16.1pp | 418.37%-434.5pp |
| Employer contribution / active EE | $1,802 | $5,620-67.9% | $4,952-63.6% | $4,742-62.0% |
| Participant deferral / active EE | $5,344 | $6,447-17.1% | $5,638-5.2% | $6,401-16.5% |
| Admin fee / account holder | $1,152 | $18,096-93.6% | $14,679-92.2% | $11,431-89.9% |