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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 | $60,228 | $82,678-27.2% | $125,391-52.0% | $68,490-12.1% |
| Participation rate | 66.3% | 75.1%-8.8pp | 82.4%-16.1pp | 67.9%-1.6pp |
| Annual return | 0.00% | -5.97%+6.0pp | 572.41%-572.4pp | -7.85%+7.9pp |
| Employer contribution / active EE | $3,357 | $3,382-0.7% | $4,816-30.3% | $2,597+29.3% |
| Participant deferral / active EE | $7,090 | $6,111+16.0% | $7,448-4.8% | $4,028+76.0% |
| Admin fee / account holder | $7,611 | $6,277+21.2% | $10,009-24.0% | $5,403+40.9% |