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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 | $169,624 | $95,915+76.8% | $79,580+113.2% | $134,532+26.1% |
| Participation rate | 58.3% | 75.0%-16.7pp | 69.5%-11.2pp | 81.2%-22.9pp |
| Annual return | -12.73% | -2.71%-10.0pp | 0.15%-12.9pp | 418.27%-431.0pp |
| Employer contribution / active EE | $1,174 | $3,129-62.5% | $2,413-51.3% | $4,741-75.2% |
| Participant deferral / active EE | $4,667 | $4,693-0.6% | $3,985+17.1% | $6,401-27.1% |
| Admin fee / account holder | $3,954 | $9,132-56.7% | $6,835-42.1% | $11,429-65.4% |