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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 | $73,781 | $75,832-2.7% | $147,618-50.0% | $59,633+23.7% |
| Participation rate | 65.8% | 71.6%-5.8pp | 84.6%-18.8pp | 68.7%-2.9pp |
| Annual return | 2.23% | 0.37%+1.9pp | 61.98%-59.8pp | 2041.40%-2039.2pp |
| Employer contribution / active EE | $2,212 | $3,485-36.5% | $5,565-60.3% | $2,203+0.4% |
| Participant deferral / active EE | $5,726 | $3,131+82.9% | $4,895+17.0% | $3,192+79.4% |
| Admin fee / account holder | $2,887 | $5,986-51.8% | $11,612-75.1% | $4,297-32.8% |