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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 | $46,775 | $90,467-48.3% | $93,759-50.1% | $134,532-65.2% |
| Participation rate | 55.6% | 82.0%-26.4pp | 81.0%-25.4pp | 81.2%-25.7pp |
| Annual return | -12.90% | -15.72%+2.8pp | -11.33%-1.6pp | 418.27%-431.2pp |
| Employer contribution / active EE | $2,343 | $4,345-46.1% | $4,324-45.8% | $4,741-50.6% |
| Participant deferral / active EE | $6,470 | $5,980+8.2% | $6,096+6.1% | $6,401+1.1% |
| Admin fee / account holder | $7,022 | $9,258-24.1% | $7,197-2.4% | $11,429-38.6% |