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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 | $57,885 | $91,537-36.8% | $130,045-55.5% | $75,173-23.0% |
| Participation rate | 60.9% | 71.5%-10.6pp | 78.5%-17.6pp | 67.2%-6.3pp |
| Annual return | 15.77% | -631.55%+647.3pp | -137.30%+153.1pp | 160.72%-145.0pp |
| Employer contribution / active EE | $2,570 | $2,845-9.7% | $4,321-40.5% | $2,671-3.8% |
| Participant deferral / active EE | $4,965 | $4,343+14.3% | $5,820-14.7% | $4,126+20.3% |
| Admin fee / account holder | $8,519 | $6,780+25.7% | $10,600-19.6% | $5,651+50.8% |