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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 | $35,953 | $82,674-56.5% | $125,381-71.3% | $68,486-47.5% |
| Participation rate | 66.3% | 75.1%-8.7pp | 82.4%-16.1pp | 67.9%-1.6pp |
| Annual return | -17.27% | -5.97%-11.3pp | 572.31%-589.6pp | -7.85%-9.4pp |
| Employer contribution / active EE | $3,812 | $3,382+12.7% | $4,815-20.8% | $2,597+46.8% |
| Participant deferral / active EE | $7,087 | $6,111+16.0% | $7,448-4.8% | $4,028+76.0% |
| Admin fee / account holder | $1,728 | $6,277-72.5% | $10,007-82.7% | $5,404-68.0% |