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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 | $82,659 | $82,6780% | $125,391-34.1% | $68,490+20.7% |
| Participation rate | 51.0% | 75.1%-24.1pp | 82.4%-31.4pp | 67.9%-16.9pp |
| Annual return | -15.38% | -5.97%-9.4pp | 572.41%-587.8pp | -7.85%-7.5pp |
| Employer contribution / active EE | $2,420 | $3,382-28.4% | $4,816-49.7% | $2,597-6.8% |
| Participant deferral / active EE | $5,224 | $6,111-14.5% | $7,448-29.9% | $4,028+29.7% |
| Admin fee / account holder | $3,027 | $6,277-51.8% | $10,009-69.8% | $5,403-44.0% |