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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 | $49,053 | $82,314-40.4% | $68,808-28.7% | $134,532-63.5% |
| Participation rate | 62.5% | 75.1%-12.6pp | 69.0%-6.5pp | 81.2%-18.7pp |
| Annual return | -17.59% | -2.18%-15.4pp | -6.37%-11.2pp | 418.27%-435.9pp |
| Employer contribution / active EE | $4,468 | $3,301+35.3% | $2,656+68.2% | $4,741-5.8% |
| Participant deferral / active EE | $5,184 | $4,740+9.4% | $3,942+31.5% | $6,401-19.0% |
| Admin fee / account holder | $1,722 | $6,484-73.4% | $4,936-65.1% | $11,429-84.9% |