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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 | $59,169 | $93,124-36.5% | $77,100-23.3% | $134,545-56.0% |
| Participation rate | 69.2% | 74.5%-5.3pp | 67.9%+1.3pp | 81.2%-12.0pp |
| Annual return | -14.38% | 62.68%-77.1pp | 42.35%-56.7pp | 418.37%-432.8pp |
| Employer contribution / active EE | $0 | $3,421-100.0% | $2,815-100.0% | $4,742-100.0% |
| Participant deferral / active EE | $6,652 | $5,242+26.9% | $4,430+50.2% | $6,401+3.9% |
| Admin fee / account holder | $13,974 | $6,970+100.5% | $5,443+156.7% | $11,431+22.2% |