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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 | $98,303 | $133,981-26.6% | $112,249-12.4% | $134,532-26.9% |
| Participation rate | 65.0% | 78.6%-13.6pp | 75.1%-10.1pp | 81.2%-16.2pp |
| Annual return | -15.61% | 47.16%-62.8pp | 27.48%-43.1pp | 418.27%-433.9pp |
| Employer contribution / active EE | $2,144 | $4,040-46.9% | $3,636-41.0% | $4,741-54.8% |
| Participant deferral / active EE | $5,324 | $5,292+0.6% | $4,729+12.6% | $6,401-16.8% |
| Admin fee / account holder | $5,238 | $7,492-30.1% | $6,412-18.3% | $11,429-54.2% |