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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 | $89,096 | $142,392-37.4% | $119,622-25.5% | $134,532-33.8% |
| Participation rate | 50.0% | 82.8%-32.8pp | 79.3%-29.3pp | 81.2%-31.2pp |
| Annual return | -19.93% | -12.46%-7.5pp | -14.98%-4.9pp | 418.27%-438.2pp |
| Employer contribution / active EE | $5,592 | $5,224+7.0% | $4,232+32.1% | $4,741+17.9% |
| Participant deferral / active EE | $9,396 | $6,467+45.3% | $5,601+67.8% | $6,401+46.8% |
| Admin fee / account holder | $425 | $13,593-96.9% | $10,328-95.9% | $11,429-96.3% |