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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 | $110,322 | $57,350+92.4% | $83,850+31.6% | $64,181+71.9% |
| Participation rate | 58.1% | 68.6%-10.5pp | 76.1%-18.0pp | 69.6%-11.4pp |
| Annual return | -7.81% | 11.38%-19.2pp | 850.92%-858.7pp | 7.63%-15.4pp |
| Employer contribution / active EE | $705 | $2,545-72.3% | $3,631-80.6% | $2,381-70.4% |
| Participant deferral / active EE | $4,644 | $2,993+55.2% | $4,082+13.8% | $3,470+33.9% |
| Admin fee / account holder | $1,223 | $4,046-69.8% | $5,478-77.7% | $4,887-75.0% |