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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 | $102,595 | $82,678+24.1% | $125,391-18.2% | $68,490+49.8% |
| Participation rate | 50.0% | 75.1%-25.1pp | 82.4%-32.4pp | 67.9%-17.9pp |
| Annual return | -16.59% | -5.97%-10.6pp | 572.41%-589.0pp | -7.85%-8.7pp |
| Employer contribution / active EE | $1,597 | $3,382-52.8% | $4,816-66.8% | $2,597-38.5% |
| Participant deferral / active EE | $3,167 | $6,111-48.2% | $7,448-57.5% | $4,028-21.4% |
| Admin fee / account holder | $1,757 | $6,277-72.0% | $10,009-82.4% | $5,403-67.5% |