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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 | $114,254 | $106,551+7.2% | $91,225+25.2% | $134,532-15.1% |
| Participation rate | 61.1% | 76.8%-15.7pp | 73.2%-12.1pp | 81.2%-20.1pp |
| Annual return | -15.94% | 160.78%-176.7pp | 114.12%-130.1pp | 418.27%-434.2pp |
| Employer contribution / active EE | $626 | $3,331-81.2% | $2,851-78.0% | $4,741-86.8% |
| Participant deferral / active EE | $2,808 | $4,718-40.5% | $4,233-33.7% | $6,401-56.1% |
| Admin fee / account holder | $3,064 | $6,234-50.9% | $5,422-43.5% | $11,429-73.2% |