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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 | $83,322 | $43,730+90.5% | $121,220-31.3% | $64,173+29.8% |
| Participation rate | 51.4% | 58.3%-7.0pp | 71.8%-20.4pp | 69.6%-18.2pp |
| Annual return | -6.20% | 68.94%-75.1pp | 16.94%-23.1pp | 7.63%-13.8pp |
| Employer contribution / active EE | $1,785 | $1,297+37.6% | $4,023-55.6% | $2,381-25.0% |
| Participant deferral / active EE | $3,240 | $2,281+42.0% | $3,345-3.2% | $3,470-6.6% |
| Admin fee / account holder | $4,229 | $3,502+20.7% | $5,021-15.8% | $4,887-13.5% |