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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 | $31,550 | $190,916-83.5% | $160,037-80.3% | $134,545-76.6% |
| Participation rate | 63.6% | 82.0%-18.3pp | 78.0%-14.3pp | 81.2%-17.6pp |
| Annual return | -20.10% | 552.79%-572.9pp | 408.95%-429.1pp | 418.37%-438.5pp |
| Employer contribution / active EE | $1,626 | $4,996-67.5% | $4,226-61.5% | $4,742-65.7% |
| Participant deferral / active EE | $6,382 | $6,925-7.8% | $6,184+3.2% | $6,401-0.3% |
| Admin fee / account holder | $582 | $10,497-94.5% | $8,716-93.3% | $11,431-94.9% |