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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 | $57,482 | $72,404-20.6% | $110,243-47.9% | $64,173-10.4% |
| Participation rate | 40.5% | 73.3%-32.8pp | 79.8%-39.3pp | 69.6%-29.0pp |
| Annual return | -7.61% | -6.29%-1.3pp | 314.76%-322.4pp | 7.63%-15.2pp |
| Employer contribution / active EE | $653 | $2,282-71.4% | $3,827-82.9% | $2,381-72.6% |
| Participant deferral / active EE | $6,807 | $3,469+96.2% | $4,672+45.7% | $3,470+96.2% |
| Admin fee / account holder | $5,761 | $5,664+1.7% | $8,548-32.6% | $4,887+17.9% |