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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 | $93,023-36.4% | $77,027-23.2% | $134,493-56.0% |
| Participation rate | 69.2% | 74.5%-5.3pp | 67.9%+1.3pp | 81.2%-12.0pp |
| Annual return | -14.38% | 62.61%-77.0pp | 42.32%-56.7pp | 418.01%-432.4pp |
| Employer contribution / active EE | $0 | $3,418-100.0% | $2,813-100.0% | $4,740-100.0% |
| Participant deferral / active EE | $6,652 | $5,238+27.0% | $4,427+50.3% | $6,400+3.9% |
| Admin fee / account holder | $13,974 | $6,944+101.2% | $5,425+157.6% | $11,425+22.3% |