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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 | $74,548 | $167,362-55.5% | $143,799-48.2% | $134,532-44.6% |
| Participation rate | 69.2% | 84.8%-15.6pp | 80.3%-11.1pp | 81.2%-12.0pp |
| Annual return | -19.66% | 0.47%-20.1pp | -0.04%-19.6pp | 418.27%-437.9pp |
| Employer contribution / active EE | $2,561 | $5,620-54.4% | $4,952-48.3% | $4,741-46.0% |
| Participant deferral / active EE | $5,323 | $6,447-17.4% | $5,638-5.6% | $6,401-16.8% |
| Admin fee / account holder | $7,766 | $18,094-57.1% | $14,677-47.1% | $11,429-32.1% |