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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 | $105,678 | $91,537+15.4% | $130,045-18.7% | $75,173+40.6% |
| Participation rate | 43.2% | 71.5%-28.2pp | 78.5%-35.3pp | 67.2%-24.0pp |
| Annual return | 17.63% | -631.55%+649.2pp | -137.30%+154.9pp | 160.72%-143.1pp |
| Employer contribution / active EE | $1,588 | $2,845-44.2% | $4,321-63.3% | $2,671-40.5% |
| Participant deferral / active EE | $2,741 | $4,343-36.9% | $5,820-52.9% | $4,126-33.6% |
| Admin fee / account holder | $2,294 | $6,780-66.2% | $10,600-78.4% | $5,651-59.4% |