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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 | $56,273 | $75,935-25.9% | $60,547-7.1% | $125,389-55.1% |
| Participation rate | 63.6% | 76.5%-12.9pp | 68.0%-4.3pp | 83.2%-19.6pp |
| Annual return | -2.76% | -5.38%+2.6pp | 335.64%-338.4pp | 282.24%-285.0pp |
| Employer contribution / active EE | $3,417 | $3,438-0.6% | $2,419+41.2% | $4,866-29.8% |
| Participant deferral / active EE | $3,026 | $4,506-32.9% | $3,328-9.1% | $5,352-43.5% |
| Admin fee / account holder | $970 | $6,768-85.7% | $4,536-78.6% | $9,541-89.8% |