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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 | $59,965 | $167,353-64.2% | $143,797-58.3% | $134,545-55.4% |
| Participation rate | 44.4% | 84.8%-40.4pp | 80.3%-35.9pp | 81.2%-36.8pp |
| Annual return | -19.62% | 0.48%-20.1pp | -0.04%-19.6pp | 418.37%-438.0pp |
| Employer contribution / active EE | $2,446 | $5,620-56.5% | $4,952-50.6% | $4,742-48.4% |
| Participant deferral / active EE | $5,096 | $6,447-21.0% | $5,638-9.6% | $6,401-20.4% |
| Admin fee / account holder | $884 | $18,096-95.1% | $14,679-94.0% | $11,431-92.3% |