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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 | $53,560 | $43,730+22.5% | $121,208-55.8% | $64,181-16.5% |
| Participation rate | 36.0% | 58.3%-22.3pp | 71.8%-35.8pp | 69.6%-33.6pp |
| Annual return | -5.44% | 68.94%-74.4pp | 16.93%-22.4pp | 7.63%-13.1pp |
| Employer contribution / active EE | $1,090 | $1,297-16.0% | $4,023-72.9% | $2,381-54.2% |
| Participant deferral / active EE | $2,150 | $2,281-5.7% | $3,345-35.7% | $3,470-38.0% |
| Admin fee / account holder | $5,798 | $3,502+65.5% | $5,020+15.5% | $4,887+18.6% |