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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 | $101,296 | $27,632+266.6% | $61,452+64.8% | $68,486+47.9% |
| Participation rate | 10.0% | 39.5%-29.5pp | 52.6%-42.6pp | 67.9%-57.9pp |
| Annual return | -13.24% | -13.24%0pp | 338.96%-352.2pp | -7.85%-5.4pp |
| Employer contribution / active EE | $930 | $696+33.6% | $1,160-19.8% | $2,597-64.2% |
| Participant deferral / active EE | $2,091 | $1,264+65.5% | $2,125-1.6% | $4,028-48.1% |
| Admin fee / account holder | $1,184 | $2,010-41.1% | $2,131-44.4% | $5,404-78.1% |