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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 | $205,639 | $84,551+143.2% | $61,452+234.6% | $134,532+52.9% |
| Participation rate | 28.6% | 62.2%-33.6pp | 52.6%-24.0pp | 81.2%-52.7pp |
| Annual return | -15.40% | 585.39%-600.8pp | 338.96%-354.4pp | 418.27%-433.7pp |
| Employer contribution / active EE | $1,627 | $1,545+5.4% | $1,160+40.3% | $4,741-65.7% |
| Participant deferral / active EE | $7,143 | $2,818+153.4% | $2,125+236.2% | $6,401+11.6% |
| Admin fee / account holder | $2,311 | $2,587-10.7% | $2,131+8.4% | $11,429-79.8% |