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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 | $132,179 | $134,001-1.4% | $112,258+17.7% | $134,509-1.7% |
| Participation rate | 55.0% | 78.6%-23.6pp | 75.1%-20.1pp | 81.2%-26.2pp |
| Annual return | -14.03% | 47.15%-61.2pp | 27.47%-41.5pp | 418.13%-432.2pp |
| Employer contribution / active EE | $1,541 | $4,039-61.9% | $3,636-57.6% | $4,741-67.5% |
| Participant deferral / active EE | $5,212 | $5,291-1.5% | $4,728+10.2% | $6,400-18.6% |
| Admin fee / account holder | $2,185 | $7,491-70.8% | $6,411-65.9% | $11,427-80.9% |