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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 | $46,495 | $133,998-65.3% | $112,263-58.6% | $134,545-65.4% |
| Participation rate | 60.0% | 78.6%-18.6pp | 75.1%-15.1pp | 81.2%-21.2pp |
| Annual return | -18.33% | 47.17%-65.5pp | 27.49%-45.8pp | 418.37%-436.7pp |
| Employer contribution / active EE | $3,496 | $4,040-13.5% | $3,636-3.9% | $4,742-26.3% |
| Participant deferral / active EE | $3,914 | $5,292-26.0% | $4,729-17.2% | $6,401-38.9% |
| Admin fee / account holder | $399 | $7,493-94.7% | $6,410-93.8% | $11,431-96.5% |