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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 | $167,423 | $75,962+120.4% | $154,108+8.6% | $64,173+160.9% |
| Participation rate | 67.7% | 70.4%-2.7pp | 83.0%-15.3pp | 69.6%-1.8pp |
| Annual return | -2.73% | 30.32%-33.0pp | 735.21%-737.9pp | 7.63%-10.4pp |
| Employer contribution / active EE | $1,712 | $3,350-48.9% | $5,298-67.7% | $2,381-28.1% |
| Participant deferral / active EE | $4,886 | $3,175+53.9% | $5,081-3.8% | $3,470+40.8% |
| Admin fee / account holder | $12,549 | $5,589+124.5% | $13,411-6.4% | $4,887+156.8% |