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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 | $60,931 | $167,353-63.6% | $143,797-57.6% | $134,545-54.7% |
| Participation rate | 50.0% | 84.8%-34.8pp | 80.3%-30.3pp | 81.2%-31.2pp |
| Annual return | -17.81% | 0.48%-18.3pp | -0.04%-17.8pp | 418.37%-436.2pp |
| Employer contribution / active EE | $1,749 | $5,620-68.9% | $4,952-64.7% | $4,742-63.1% |
| Participant deferral / active EE | $5,505 | $6,447-14.6% | $5,638-2.4% | $6,401-14.0% |
| Admin fee / account holder | $542 | $18,096-97.0% | $14,679-96.3% | $11,431-95.3% |