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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 | $55,678 | $84,551-34.1% | $61,452-9.4% | $134,532-58.6% |
| Participation rate | 66.7% | 62.2%+4.5pp | 52.6%+14.1pp | 81.2%-14.6pp |
| Annual return | -20.01% | 585.39%-605.4pp | 338.96%-359.0pp | 418.27%-438.3pp |
| Employer contribution / active EE | $1,674 | $1,545+8.4% | $1,160+44.4% | $4,741-64.7% |
| Participant deferral / active EE | $4,402 | $2,818+56.2% | $2,125+107.2% | $6,401-31.2% |
| Admin fee / account holder | $1,987 | $2,587-23.2% | $2,131-6.8% | $11,429-82.6% |