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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 | $39,956 | $82,678-51.7% | $125,391-68.1% | $68,490-41.7% |
| Participation rate | 69.3% | 75.1%-5.7pp | 82.4%-13.1pp | 67.9%+1.4pp |
| Annual return | -2.99% | -5.97%+3.0pp | 572.41%-575.4pp | -7.85%+4.9pp |
| Employer contribution / active EE | $1,184 | $3,382-65.0% | $4,816-75.4% | $2,597-54.4% |
| Participant deferral / active EE | $6,274 | $6,111+2.7% | $7,448-15.8% | $4,028+55.8% |
| Admin fee / account holder | $3,007 | $6,277-52.1% | $10,009-70.0% | $5,403-44.3% |