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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 | $43,038 | $167,353-74.3% | $143,797-70.1% | $134,545-68.0% |
| Participation rate | 38.5% | 84.8%-46.4pp | 80.3%-41.9pp | 81.2%-42.8pp |
| Annual return | -19.05% | 0.48%-19.5pp | -0.04%-19.0pp | 418.37%-437.4pp |
| Employer contribution / active EE | $2,399 | $5,620-57.3% | $4,952-51.6% | $4,742-49.4% |
| Participant deferral / active EE | $4,527 | $6,447-29.8% | $5,638-19.7% | $6,401-29.3% |
| Admin fee / account holder | $2,972 | $18,096-83.6% | $14,679-79.8% | $11,431-74.0% |