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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 | $126,300 | $27,639+357.0% | $61,501+105.4% | $68,490+84.4% |
| Participation rate | 25.0% | 39.5%-14.5pp | 52.6%-27.6pp | 67.9%-42.9pp |
| Annual return | -6.68% | -13.19%+6.5pp | 339.04%-345.7pp | -7.85%+1.2pp |
| Employer contribution / active EE | $722 | $696+3.7% | $1,160-37.8% | $2,597-72.2% |
| Participant deferral / active EE | $2,017 | $1,264+59.6% | $2,125-5.1% | $4,028-49.9% |
| Admin fee / account holder | $6,168 | $2,012+206.5% | $2,132+189.4% | $5,403+14.2% |