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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 | $46,910 | $133,981-65.0% | $112,249-58.2% | $134,532-65.1% |
| Participation rate | 50.0% | 78.6%-28.6pp | 75.1%-25.1pp | 81.2%-31.2pp |
| Annual return | -20.36% | 47.16%-67.5pp | 27.48%-47.8pp | 418.27%-438.6pp |
| Employer contribution / active EE | $1,893 | $4,040-53.1% | $3,636-47.9% | $4,741-60.1% |
| Participant deferral / active EE | $4,267 | $5,292-19.4% | $4,729-9.8% | $6,401-33.3% |
| Admin fee / account holder | $751 | $7,492-90.0% | $6,412-88.3% | $11,429-93.4% |