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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 | $46,728 | $32,117+45.5% | $71,089-34.3% | $64,173-27.2% |
| Participation rate | 30.6% | 42.7%-12.1pp | 54.6%-24.1pp | 69.6%-39.0pp |
| Annual return | -5.52% | -5.57%0pp | 650.65%-656.2pp | 7.63%-13.2pp |
| Employer contribution / active EE | $556 | $712-22.0% | $1,088-48.9% | $2,381-76.7% |
| Participant deferral / active EE | $1,356 | $1,263+7.4% | $1,873-27.6% | $3,470-60.9% |
| Admin fee / account holder | $2,330 | $2,759-15.6% | $3,082-24.4% | $4,887-52.3% |