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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 | $64,055 | $49,177+30.3% | $79,467-19.4% | $64,173-0.2% |
| Participation rate | 56.1% | 65.0%-9.0pp | 73.3%-17.3pp | 69.6%-13.5pp |
| Annual return | -4.34% | -1.16%-3.2pp | 718.30%-722.6pp | 7.63%-12.0pp |
| Employer contribution / active EE | $1,594 | $2,076-23.2% | $2,800-43.1% | $2,381-33.0% |
| Participant deferral / active EE | $2,938 | $2,821+4.1% | $3,704-20.7% | $3,470-15.3% |
| Admin fee / account holder | $2,573 | $3,839-33.0% | $5,104-49.6% | $4,887-47.3% |