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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 | $112,727 | $154,193-26.9% | $130,045-13.3% | $139,466-19.2% |
| Participation rate | 43.5% | 82.0%-38.5pp | 78.5%-35.0pp | 80.3%-36.9pp |
| Annual return | 27.52% | 32.51%-5.0pp | -137.30%+164.8pp | 373.66%-346.1pp |
| Employer contribution / active EE | $1,554 | $5,292-70.6% | $4,321-64.0% | $4,754-67.3% |
| Participant deferral / active EE | $2,711 | $6,709-59.6% | $5,820-53.4% | $6,712-59.6% |
| Admin fee / account holder | $20,923 | $13,989+49.6% | $10,600+97.4% | $11,409+83.4% |