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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 | $43,212 | $45,566-5.2% | $64,105-32.6% | $59,633-27.5% |
| Participation rate | 65.7% | 60.2%+5.5pp | 68.2%-2.5pp | 68.7%-3.0pp |
| Annual return | -2.45% | 4.95%-7.4pp | 791.24%-793.7pp | 2041.40%-2043.9pp |
| Employer contribution / active EE | $527 | $934-43.6% | $1,820-71.1% | $2,203-76.1% |
| Participant deferral / active EE | $3,476 | $2,057+69.0% | $2,822+23.2% | $3,192+8.9% |
| Admin fee / account holder | $6,435 | $3,268+96.9% | $4,499+43.0% | $4,297+49.7% |