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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 | $30,918 | $82,674-62.6% | $125,381-75.3% | $68,486-54.9% |
| Participation rate | 50.9% | 75.1%-24.2pp | 82.4%-31.5pp | 67.9%-17.0pp |
| Annual return | -16.61% | -5.97%-10.6pp | 572.31%-588.9pp | -7.85%-8.8pp |
| Employer contribution / active EE | $3,284 | $3,382-2.9% | $4,815-31.8% | $2,597+26.5% |
| Participant deferral / active EE | $5,705 | $6,111-6.6% | $7,448-23.4% | $4,028+41.6% |
| Admin fee / account holder | $10,775 | $6,277+71.7% | $10,007+7.7% | $5,404+99.4% |