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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 | $68,998 | $91,525-24.6% | $130,026-46.9% | $75,181-8.2% |
| Participation rate | 32.5% | 71.4%-38.9pp | 78.5%-46.0pp | 67.2%-34.7pp |
| Annual return | 14.31% | -631.40%+645.7pp | -137.26%+151.6pp | 160.69%-146.4pp |
| Employer contribution / active EE | $964 | $2,844-66.1% | $4,321-77.7% | $2,671-63.9% |
| Participant deferral / active EE | $2,433 | $4,342-44.0% | $5,821-58.2% | $4,126-41.0% |
| Admin fee / account holder | $2,128 | $6,778-68.6% | $10,608-79.9% | $5,650-62.3% |