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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 | $53,244 | $45,566+16.9% | $64,105-16.9% | $59,633-10.7% |
| Participation rate | 62.5% | 60.2%+2.3pp | 68.2%-5.7pp | 68.7%-6.2pp |
| Annual return | -2.81% | 4.95%-7.8pp | 791.24%-794.1pp | 2041.40%-2044.2pp |
| Employer contribution / active EE | $622 | $934-33.4% | $1,820-65.8% | $2,203-71.8% |
| Participant deferral / active EE | $2,303 | $2,057+12.0% | $2,822-18.4% | $3,192-27.8% |
| Admin fee / account holder | $1,379 | $3,268-57.8% | $4,499-69.4% | $4,297-67.9% |