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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 | $78,345 | $100,805-22.3% | $86,698-9.6% | $134,532-41.8% |
| Participation rate | 63.6% | 79.0%-15.3pp | 76.6%-13.0pp | 81.2%-17.6pp |
| Annual return | -18.23% | 29.09%-47.3pp | 35.95%-54.2pp | 418.27%-436.5pp |
| Employer contribution / active EE | $3,256 | $3,490-6.7% | $2,837+14.8% | $4,741-31.3% |
| Participant deferral / active EE | $7,537 | $5,339+41.2% | $4,656+61.9% | $6,401+17.7% |
| Admin fee / account holder | $7,181 | $10,925-34.3% | $7,493-4.2% | $11,429-37.2% |