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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 | $91,975 | $95,975-4.2% | $74,549+23.4% | $135,379-32.1% |
| Participation rate | 66.7% | 75.7%-9.0pp | 69.1%-2.5pp | 82.6%-16.0pp |
| Annual return | -6.22% | 56.96%-63.2pp | 32.53%-38.8pp | 519.79%-526.0pp |
| Employer contribution / active EE | $2,256 | $2,716-16.9% | $1,961+15.1% | $4,779-52.8% |
| Participant deferral / active EE | $4,308 | $3,844+12.1% | $3,108+38.6% | $5,609-23.2% |
| Admin fee / account holder | $460 | $6,522-92.9% | $5,059-90.9% | $10,828-95.8% |