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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 | $87,867 | $133,998-34.4% | $112,263-21.7% | $134,545-34.7% |
| Participation rate | 50.0% | 78.6%-28.6pp | 75.1%-25.1pp | 81.2%-31.2pp |
| Annual return | -20.21% | 47.17%-67.4pp | 27.49%-47.7pp | 418.37%-438.6pp |
| Employer contribution / active EE | $889 | $4,040-78.0% | $3,636-75.6% | $4,742-81.3% |
| Participant deferral / active EE | $1,539 | $5,292-70.9% | $4,729-67.5% | $6,401-76.0% |
| Admin fee / account holder | $5,416 | $7,493-27.7% | $6,410-15.5% | $11,431-52.6% |