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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 | $97,589 | $43,730+123.2% | $121,208-19.5% | $64,181+52.1% |
| Participation rate | 40.0% | 58.3%-18.3pp | 71.8%-31.8pp | 69.6%-29.6pp |
| Annual return | -5.20% | 68.94%-74.1pp | 16.93%-22.1pp | 7.63%-12.8pp |
| Employer contribution / active EE | $579 | $1,297-55.4% | $4,023-85.6% | $2,381-75.7% |
| Participant deferral / active EE | $2,315 | $2,281+1.5% | $3,345-30.8% | $3,470-33.3% |
| Admin fee / account holder | $1,743 | $3,502-50.2% | $5,020-65.3% | $4,887-64.3% |