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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 | $103,516 | $105,867-2.2% | $90,760+14.1% | $134,532-23.1% |
| Participation rate | 34.8% | 78.3%-43.5pp | 75.7%-40.9pp | 81.2%-46.4pp |
| Annual return | -17.41% | -10.99%-6.4pp | -12.16%-5.3pp | 418.27%-435.7pp |
| Employer contribution / active EE | $1,982 | $3,464-42.8% | $2,922-32.2% | $4,741-58.2% |
| Participant deferral / active EE | $1,982 | $5,217-62.0% | $4,565-56.6% | $6,401-69.0% |
| Admin fee / account holder | $3,584 | $13,936-74.3% | $8,444-57.6% | $11,429-68.6% |