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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 | $98,326 | $138,075-28.8% | $123,552-20.4% | $135,379-27.4% |
| Participation rate | 27.8% | 84.7%-57.0pp | 82.3%-54.5pp | 82.6%-54.9pp |
| Annual return | -5.86% | 153.70%-159.6pp | 119.20%-125.1pp | 519.79%-525.7pp |
| Employer contribution / active EE | $2,852 | $5,152-44.6% | $4,628-38.4% | $4,779-40.3% |
| Participant deferral / active EE | $6,077 | $6,800-10.6% | $6,426-5.4% | $5,609+8.3% |
| Admin fee / account holder | $18,828 | $10,917+72.5% | $9,285+102.8% | $10,828+73.9% |