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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 | $101,516 | $54,370+86.7% | $82,763+22.7% | $68,490+48.2% |
| Participation rate | 66.7% | 63.9%+2.7pp | 72.6%-5.9pp | 67.9%-1.2pp |
| Annual return | -14.68% | -13.67%-1.0pp | 702.45%-717.1pp | -7.85%-6.8pp |
| Employer contribution / active EE | $3,319 | $2,219+49.5% | $3,008+10.3% | $2,597+27.8% |
| Participant deferral / active EE | $6,343 | $3,247+95.4% | $4,395+44.3% | $4,028+57.5% |
| Admin fee / account holder | $729 | $4,398-83.4% | $5,325-86.3% | $5,403-86.5% |