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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 | $38,255 | $134,001-71.5% | $112,258-65.9% | $134,509-71.6% |
| Participation rate | 66.7% | 78.6%-11.9pp | 75.1%-8.4pp | 81.2%-14.6pp |
| Annual return | -17.89% | 47.15%-65.0pp | 27.47%-45.4pp | 418.13%-436.0pp |
| Employer contribution / active EE | $4,697 | $4,039+16.3% | $3,636+29.2% | $4,741-0.9% |
| Participant deferral / active EE | $3,617 | $5,291-31.6% | $4,728-23.5% | $6,400-43.5% |
| Admin fee / account holder | $672 | $7,491-91.0% | $6,411-89.5% | $11,427-94.1% |