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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 | $56,766 | $69,012-17.7% | $160,009-64.5% | $68,486-17.1% |
| Participation rate | 64.4% | 65.4%-1.1pp | 78.0%-13.6pp | 67.9%-3.5pp |
| Annual return | -13.24% | -9.65%-3.6pp | 408.85%-422.1pp | -7.85%-5.4pp |
| Employer contribution / active EE | $1,530 | $2,212-30.9% | $4,225-63.8% | $2,597-41.1% |
| Participant deferral / active EE | $6,087 | $4,212+44.5% | $6,183-1.5% | $4,028+51.1% |
| Admin fee / account holder | $3,888 | $4,798-19.0% | $8,715-55.4% | $5,404-28.1% |