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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 | $38,349 | $30,732+24.8% | $59,496-35.5% | $59,633-35.7% |
| Participation rate | 61.8% | 43.2%+18.6pp | 54.6%+7.3pp | 68.7%-6.8pp |
| Annual return | -2.01% | 4.47%-6.5pp | 182.05%-184.1pp | 2041.45%-2043.5pp |
| Employer contribution / active EE | $1,114 | $631+76.6% | $1,153-3.4% | $2,203-49.4% |
| Participant deferral / active EE | $2,144 | $1,183+81.2% | $1,829+17.2% | $3,192-32.8% |
| Admin fee / account holder | $2,450 | $2,136+14.7% | $2,232+9.7% | $4,297-43.0% |