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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 | $77,839 | $57,352+35.7% | $83,830-7.1% | $64,173+21.3% |
| Participation rate | 66.7% | 68.6%-1.9pp | 76.1%-9.5pp | 69.6%-2.9pp |
| Annual return | -7.90% | 11.38%-19.3pp | 850.97%-858.9pp | 7.63%-15.5pp |
| Employer contribution / active EE | $595 | $2,546-76.6% | $3,631-83.6% | $2,381-75.0% |
| Participant deferral / active EE | $5,000 | $2,993+67.1% | $4,082+22.5% | $3,470+44.1% |
| Admin fee / account holder | $641 | $4,046-84.2% | $5,479-88.3% | $4,887-86.9% |