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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 | $79,167 | $72,404+9.3% | $110,243-28.2% | $64,173+23.4% |
| Participation rate | 48.7% | 73.3%-24.6pp | 79.8%-31.1pp | 69.6%-20.9pp |
| Annual return | -5.08% | -6.29%+1.2pp | 314.76%-319.8pp | 7.63%-12.7pp |
| Employer contribution / active EE | $737 | $2,282-67.7% | $3,827-80.7% | $2,381-69.0% |
| Participant deferral / active EE | $2,451 | $3,469-29.4% | $4,672-47.5% | $3,470-29.4% |
| Admin fee / account holder | $1,313 | $5,664-76.8% | $8,548-84.6% | $4,887-73.1% |