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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 | $34,738 | $167,362-79.2% | $143,799-75.8% | $134,532-74.2% |
| Participation rate | 60.0% | 84.8%-24.8pp | 80.3%-20.3pp | 81.2%-21.2pp |
| Annual return | -13.41% | 0.47%-13.9pp | -0.04%-13.4pp | 418.27%-431.7pp |
| Employer contribution / active EE | $1,906 | $5,620-66.1% | $4,952-61.5% | $4,741-59.8% |
| Participant deferral / active EE | $4,724 | $6,447-26.7% | $5,638-16.2% | $6,401-26.2% |
| Admin fee / account holder | $1,765 | $18,094-90.2% | $14,677-88.0% | $11,429-84.6% |