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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 | $43,012 | $82,678-48.0% | $125,391-65.7% | $68,490-37.2% |
| Participation rate | 63.9% | 75.1%-11.1pp | 82.4%-18.4pp | 67.9%-4.0pp |
| Annual return | -19.16% | -5.97%-13.2pp | 572.41%-591.6pp | -7.85%-11.3pp |
| Employer contribution / active EE | $3,181 | $3,382-6.0% | $4,816-34.0% | $2,597+22.5% |
| Participant deferral / active EE | $6,537 | $6,111+7.0% | $7,448-12.2% | $4,028+62.3% |
| Admin fee / account holder | $1,978 | $6,277-68.5% | $10,009-80.2% | $5,403-63.4% |