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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 | $54,377 | $82,674-34.2% | $125,381-56.6% | $68,486-20.6% |
| Participation rate | 53.5% | 75.1%-21.6pp | 82.4%-28.9pp | 67.9%-14.4pp |
| Annual return | -16.89% | -5.97%-10.9pp | 572.31%-589.2pp | -7.85%-9.0pp |
| Employer contribution / active EE | $1,953 | $3,382-42.3% | $4,815-59.4% | $2,597-24.8% |
| Participant deferral / active EE | $5,580 | $6,111-8.7% | $7,448-25.1% | $4,028+38.5% |
| Admin fee / account holder | $3,373 | $6,277-46.3% | $10,007-66.3% | $5,404-37.6% |