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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 | $50,885 | $91,537-44.4% | $130,045-60.9% | $75,173-32.3% |
| Participation rate | 65.9% | 71.5%-5.5pp | 78.5%-12.6pp | 67.2%-1.3pp |
| Annual return | 16.33% | -631.55%+647.9pp | -137.30%+153.6pp | 160.72%-144.4pp |
| Employer contribution / active EE | $1,520 | $2,845-46.6% | $4,321-64.8% | $2,671-43.1% |
| Participant deferral / active EE | $4,275 | $4,343-1.6% | $5,820-26.5% | $4,126+3.6% |
| Admin fee / account holder | $1,034 | $6,780-84.8% | $10,600-90.2% | $5,651-81.7% |