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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 | $129,353 | $167,362-22.7% | $143,799-10.0% | $134,532-3.8% |
| Participation rate | 40.0% | 84.8%-44.8pp | 80.3%-40.3pp | 81.2%-41.2pp |
| Annual return | -10.11% | 0.47%-10.6pp | -0.04%-10.1pp | 418.27%-428.4pp |
| Employer contribution / active EE | $1,540 | $5,620-72.6% | $4,952-68.9% | $4,741-67.5% |
| Participant deferral / active EE | $7,051 | $6,447+9.4% | $5,638+25.1% | $6,401+10.2% |
| Admin fee / account holder | $1,658 | $18,094-90.8% | $14,677-88.7% | $11,429-85.5% |