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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 | $82,824 | $129,959-36.3% | $104,301-20.6% | $134,532-38.4% |
| Participation rate | 66.7% | 79.5%-12.9pp | 73.3%-6.6pp | 81.2%-14.6pp |
| Annual return | -17.99% | 42.04%-60.0pp | 24.61%-42.6pp | 418.27%-436.3pp |
| Employer contribution / active EE | $2,466 | $4,185-41.1% | $3,373-26.9% | $4,741-48.0% |
| Participant deferral / active EE | $13,667 | $5,589+144.5% | $4,626+195.4% | $6,401+113.5% |
| Admin fee / account holder | $609 | $9,325-93.5% | $7,340-91.7% | $11,429-94.7% |