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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 | $81,711 | $91,537-10.7% | $130,045-37.2% | $75,173+8.7% |
| Participation rate | 37.0% | 71.5%-34.4pp | 78.5%-41.5pp | 67.2%-30.2pp |
| Annual return | 13.24% | -631.55%+644.8pp | -137.30%+150.5pp | 160.72%-147.5pp |
| Employer contribution / active EE | $1,717 | $2,845-39.6% | $4,321-60.3% | $2,671-35.7% |
| Participant deferral / active EE | $4,819 | $4,343+11.0% | $5,820-17.2% | $4,126+16.8% |
| Admin fee / account holder | $777 | $6,780-88.5% | $10,600-92.7% | $5,651-86.2% |