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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 | $99,158 | $72,404+37.0% | $110,243-10.1% | $64,173+54.5% |
| Participation rate | 61.3% | 73.3%-12.0pp | 79.8%-18.5pp | 69.6%-8.3pp |
| Annual return | -6.01% | -6.29%+0.3pp | 314.76%-320.8pp | 7.63%-13.6pp |
| Employer contribution / active EE | $3,157 | $2,282+38.4% | $3,827-17.5% | $2,381+32.6% |
| Participant deferral / active EE | $5,704 | $3,469+64.4% | $4,672+22.1% | $3,470+64.4% |
| Admin fee / account holder | $34,981 | $5,664+517.6% | $8,548+309.2% | $4,887+615.7% |