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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 | $73,913 | $133,998-44.8% | $112,263-34.2% | $134,545-45.1% |
| Participation rate | 42.9% | 78.6%-35.7pp | 75.1%-32.2pp | 81.2%-38.4pp |
| Annual return | -16.69% | 47.17%-63.9pp | 27.49%-44.2pp | 418.37%-435.1pp |
| Employer contribution / active EE | $2,252 | $4,040-44.3% | $3,636-38.1% | $4,742-52.5% |
| Participant deferral / active EE | $5,112 | $5,292-3.4% | $4,729+8.1% | $6,401-20.1% |
| Admin fee / account holder | $665 | $7,493-91.1% | $6,410-89.6% | $11,431-94.2% |