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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 | $84,951 | $57,352+48.1% | $83,830+1.3% | $64,173+32.4% |
| Participation rate | 55.9% | 68.6%-12.7pp | 76.1%-20.3pp | 69.6%-13.7pp |
| Annual return | -8.27% | 11.38%-19.6pp | 850.97%-859.2pp | 7.63%-15.9pp |
| Employer contribution / active EE | $1,571 | $2,546-38.3% | $3,631-56.7% | $2,381-34.0% |
| Participant deferral / active EE | $3,827 | $2,993+27.9% | $4,082-6.3% | $3,470+10.3% |
| Admin fee / account holder | $519 | $4,046-87.2% | $5,479-90.5% | $4,887-89.4% |