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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 | $51,636 | $77,817-33.6% | $123,553-58.2% | $64,173-19.5% |
| Participation rate | 66.3% | 74.7%-8.4pp | 82.3%-16.0pp | 69.6%-3.3pp |
| Annual return | -6.36% | 12.49%-18.8pp | 119.21%-125.6pp | 7.63%-14.0pp |
| Employer contribution / active EE | $919 | $3,014-69.5% | $4,628-80.1% | $2,381-61.4% |
| Participant deferral / active EE | $4,180 | $5,240-20.2% | $6,426-34.9% | $3,470+20.5% |
| Admin fee / account holder | $2,531 | $5,519-54.1% | $9,284-72.7% | $4,887-48.2% |