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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 | $58,574 | $167,504-65.0% | $151,628-61.4% | $134,509-56.5% |
| Participation rate | 57.1% | 88.4%-31.2pp | 87.5%-30.4pp | 81.2%-24.1pp |
| Annual return | -11.94% | 7.81%-19.7pp | 3.34%-15.3pp | 418.13%-430.1pp |
| Employer contribution / active EE | $7,445 | $6,828+9.0% | $6,165+20.8% | $4,741+57.1% |
| Participant deferral / active EE | $8,430 | $8,985-6.2% | $8,363+0.8% | $6,400+31.7% |
| Admin fee / account holder | $897 | $13,779-93.5% | $11,613-92.3% | $11,427-92.1% |