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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 | $119,569 | $133,998-10.8% | $112,263+6.5% | $134,545-11.1% |
| Participation rate | 57.1% | 78.6%-21.4pp | 75.1%-17.9pp | 81.2%-24.1pp |
| Annual return | -17.65% | 47.17%-64.8pp | 27.49%-45.1pp | 418.37%-436.0pp |
| Employer contribution / active EE | $1,807 | $4,040-55.3% | $3,636-50.3% | $4,742-61.9% |
| Participant deferral / active EE | $4,669 | $5,292-11.8% | $4,729-1.3% | $6,401-27.1% |
| Admin fee / account holder | $5,431 | $7,493-27.5% | $6,410-15.3% | $11,431-52.5% |