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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 | $71,157 | $78,694-9.6% | $67,652+5.2% | $125,389-43.3% |
| Participation rate | 61.9% | 78.8%-16.9pp | 75.7%-13.8pp | 83.2%-21.3pp |
| Annual return | -2.87% | 9.46%-12.3pp | 6625.40%-6628.3pp | 282.24%-285.1pp |
| Employer contribution / active EE | $1,705 | $3,044-44.0% | $2,266-24.8% | $4,866-65.0% |
| Participant deferral / active EE | $4,297 | $4,292+0.1% | $3,560+20.7% | $5,352-19.7% |
| Admin fee / account holder | $1,000 | $7,403-86.5% | $4,821-79.3% | $9,541-89.5% |