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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 | $83,859 | $54,355+54.3% | $82,744+1.3% | $68,486+22.4% |
| Participation rate | 47.5% | 63.9%-16.5pp | 72.6%-25.1pp | 67.9%-20.4pp |
| Annual return | -8.85% | -13.67%+4.8pp | 702.22%-711.1pp | -7.85%-1.0pp |
| Employer contribution / active EE | $892 | $2,219-59.8% | $3,008-70.3% | $2,597-65.6% |
| Participant deferral / active EE | $1,924 | $3,246-40.7% | $4,395-56.2% | $4,028-52.2% |
| Admin fee / account holder | $4,613 | $4,397+4.9% | $5,325-13.4% | $5,404-14.6% |