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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 | $87,120 | $95,917-9.2% | $79,583+9.5% | $134,545-35.2% |
| Participation rate | 62.5% | 75.0%-12.5pp | 69.5%-7.0pp | 81.2%-18.7pp |
| Annual return | -18.02% | -2.70%-15.3pp | 0.16%-18.2pp | 418.37%-436.4pp |
| Employer contribution / active EE | $1,173 | $3,129-62.5% | $2,414-51.4% | $4,742-75.3% |
| Participant deferral / active EE | $4,977 | $4,694+6.0% | $3,986+24.9% | $6,401-22.3% |
| Admin fee / account holder | $1,005 | $9,132-89.0% | $6,835-85.3% | $11,431-91.2% |