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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 | $40,988 | $133,998-69.4% | $112,263-63.5% | $134,545-69.5% |
| Participation rate | 52.9% | 78.6%-25.6pp | 75.1%-22.1pp | 81.2%-28.3pp |
| Annual return | -14.67% | 47.17%-61.8pp | 27.49%-42.2pp | 418.37%-433.0pp |
| Employer contribution / active EE | $1,577 | $4,040-61.0% | $3,636-56.6% | $4,742-66.7% |
| Participant deferral / active EE | $6,009 | $5,292+13.5% | $4,729+27.1% | $6,401-6.1% |
| Admin fee / account holder | $1,202 | $7,493-84.0% | $6,410-81.3% | $11,431-89.5% |