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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 | $31,588 | $32,117-1.6% | $71,086-55.6% | $64,181-50.8% |
| Participation rate | 61.8% | 42.7%+19.1pp | 54.7%+7.2pp | 69.6%-7.7pp |
| Annual return | -7.72% | -5.57%-2.1pp | 650.59%-658.3pp | 7.63%-15.4pp |
| Employer contribution / active EE | $869 | $712+22.0% | $1,088-20.1% | $2,381-63.5% |
| Participant deferral / active EE | $1,833 | $1,263+45.2% | $1,874-2.2% | $3,470-47.2% |
| Admin fee / account holder | $1,102 | $2,759-60.0% | $3,082-64.2% | $4,887-77.4% |