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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 | $38,493 | $56,197-31.5% | $67,652-43.1% | $59,633-35.5% |
| Participation rate | 69.4% | 71.5%-2.1pp | 75.7%-6.3pp | 68.7%+0.7pp |
| Annual return | -0.84% | 18508.10%-18508.9pp | 6625.40%-6626.2pp | 2041.45%-2042.3pp |
| Employer contribution / active EE | $1,644 | $1,615+1.8% | $2,266-27.4% | $2,203-25.3% |
| Participant deferral / active EE | $2,398 | $2,844-15.7% | $3,560-32.6% | $3,192-24.9% |
| Admin fee / account holder | $1,500 | $3,958-62.1% | $4,821-68.9% | $4,297-65.1% |