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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 | $62,234 | $138,076-54.9% | $123,553-49.6% | $135,380-54.0% |
| Participation rate | 54.5% | 84.7%-30.2pp | 82.3%-27.7pp | 82.6%-28.1pp |
| Annual return | -8.65% | 153.70%-162.4pp | 119.21%-127.9pp | 519.81%-528.5pp |
| Employer contribution / active EE | $3,133 | $5,152-39.2% | $4,628-32.3% | $4,779-34.4% |
| Participant deferral / active EE | $5,904 | $6,800-13.2% | $6,426-8.1% | $5,609+5.3% |
| Admin fee / account holder | $569 | $10,917-94.8% | $9,284-93.9% | $10,828-94.7% |