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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 | $44,889 | $59,116-24.1% | $86,438-48.1% | $68,486-34.5% |
| Participation rate | 65.8% | 75.2%-9.5pp | 80.3%-14.6pp | 67.9%-2.1pp |
| Annual return | -12.25% | -0.23%-12.0pp | 4397.19%-4409.4pp | -7.85%-4.4pp |
| Employer contribution / active EE | $4,711 | $2,519+87.0% | $3,769+25.0% | $2,597+81.4% |
| Participant deferral / active EE | $6,061 | $5,902+2.7% | $6,952-12.8% | $4,028+50.5% |
| Admin fee / account holder | $635 | $5,639-88.7% | $6,733-90.6% | $5,404-88.3% |