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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 | $45,776 | $95,895-52.3% | $79,576-42.5% | $134,509-66.0% |
| Participation rate | 60.0% | 75.0%-15.0pp | 69.5%-9.5pp | 81.2%-21.2pp |
| Annual return | -18.53% | -2.72%-15.8pp | 0.15%-18.7pp | 418.13%-436.7pp |
| Employer contribution / active EE | $2,070 | $3,128-33.8% | $2,413-14.2% | $4,741-56.3% |
| Participant deferral / active EE | $4,364 | $4,693-7.0% | $3,985+9.5% | $6,400-31.8% |
| Admin fee / account holder | $1,928 | $9,129-78.9% | $6,834-71.8% | $11,427-83.1% |