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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 | $39,722 | $45,566-12.8% | $64,105-38.0% | $59,633-33.4% |
| Participation rate | 66.7% | 60.2%+6.5pp | 68.2%-1.5pp | 68.7%-2.0pp |
| Annual return | -2.32% | 4.95%-7.3pp | 791.24%-793.6pp | 2041.45%-2043.8pp |
| Employer contribution / active EE | $4,131 | $934+342.2% | $1,820+127.0% | $2,203+87.6% |
| Participant deferral / active EE | $3,012 | $2,057+46.5% | $2,822+6.8% | $3,192-5.6% |
| Admin fee / account holder | $4,254 | $3,268+30.2% | $4,499-5.4% | $4,297-1.0% |