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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 | $60,736 | $82,674-26.5% | $125,381-51.6% | $68,486-11.3% |
| Participation rate | 69.8% | 75.1%-5.3pp | 82.4%-12.6pp | 67.9%+1.9pp |
| Annual return | -9.31% | -5.97%-3.3pp | 572.31%-581.6pp | -7.85%-1.5pp |
| Employer contribution / active EE | $2,101 | $3,382-37.9% | $4,815-56.4% | $2,597-19.1% |
| Participant deferral / active EE | $5,438 | $6,111-11.0% | $7,448-27.0% | $4,028+35.0% |
| Admin fee / account holder | $2,289 | $6,277-63.5% | $10,007-77.1% | $5,404-57.6% |