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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 | $37,567 | $27,639+35.9% | $61,501-38.9% | $68,490-45.1% |
| Participation rate | 46.6% | 39.5%+7.0pp | 52.6%-6.0pp | 67.9%-21.3pp |
| Annual return | -15.53% | -13.19%-2.3pp | 339.04%-354.6pp | -7.85%-7.7pp |
| Employer contribution / active EE | $819 | $696+17.6% | $1,160-29.4% | $2,597-68.5% |
| Participant deferral / active EE | $1,790 | $1,264+41.7% | $2,125-15.8% | $4,028-55.6% |
| Admin fee / account holder | $894 | $2,012-55.6% | $2,132-58.0% | $5,403-83.4% |