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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 | $106,389 | $133,998-20.6% | $112,263-5.2% | $134,545-20.9% |
| Participation rate | 54.5% | 78.6%-24.0pp | 75.1%-20.5pp | 81.2%-26.7pp |
| Annual return | -15.33% | 47.17%-62.5pp | 27.49%-42.8pp | 418.37%-433.7pp |
| Employer contribution / active EE | $1,081 | $4,040-73.2% | $3,636-70.3% | $4,742-77.2% |
| Participant deferral / active EE | $2,510 | $5,292-52.6% | $4,729-46.9% | $6,401-60.8% |
| Admin fee / account holder | $898 | $7,493-88.0% | $6,410-86.0% | $11,431-92.1% |