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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 | $78,373 | $72,404+8.2% | $110,243-28.9% | $64,173+22.1% |
| Participation rate | 25.0% | 73.3%-48.3pp | 79.8%-54.8pp | 69.6%-44.6pp |
| Annual return | -4.35% | -6.29%+1.9pp | 314.76%-319.1pp | 7.63%-12.0pp |
| Employer contribution / active EE | $803 | $2,282-64.8% | $3,827-79.0% | $2,381-66.3% |
| Participant deferral / active EE | $2,801 | $3,469-19.3% | $4,672-40.1% | $3,470-19.3% |
| Admin fee / account holder | $1,756 | $5,664-69.0% | $8,548-79.5% | $4,887-64.1% |