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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 | $140,754 | $167,362-15.9% | $143,799-2.1% | $134,532+4.6% |
| Participation rate | 63.2% | 84.8%-21.7pp | 80.3%-17.2pp | 81.2%-18.1pp |
| Annual return | -16.54% | 0.47%-17.0pp | -0.04%-16.5pp | 418.27%-434.8pp |
| Employer contribution / active EE | $1,205 | $5,620-78.6% | $4,952-75.7% | $4,741-74.6% |
| Participant deferral / active EE | $2,973 | $6,447-53.9% | $5,638-47.3% | $6,401-53.6% |
| Admin fee / account holder | $1,373 | $18,094-92.4% | $14,677-90.6% | $11,429-88.0% |