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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 | $71,204 | $82,674-13.9% | $125,381-43.2% | $68,486+4.0% |
| Participation rate | 47.5% | 75.1%-27.6pp | 82.4%-34.9pp | 67.9%-20.4pp |
| Annual return | -14.58% | -5.97%-8.6pp | 572.31%-586.9pp | -7.85%-6.7pp |
| Employer contribution / active EE | $1,825 | $3,382-46.0% | $4,815-62.1% | $2,597-29.7% |
| Participant deferral / active EE | $3,813 | $6,111-37.6% | $7,448-48.8% | $4,028-5.3% |
| Admin fee / account holder | $6,423 | $6,277+2.3% | $10,007-35.8% | $5,404+18.9% |