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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 | $34,439 | $27,632+24.6% | $61,452-44.0% | $68,486-49.7% |
| Participation rate | 45.8% | 39.5%+6.3pp | 52.6%-6.8pp | 67.9%-22.1pp |
| Annual return | -20.51% | -13.24%-7.3pp | 338.96%-359.5pp | -7.85%-12.7pp |
| Employer contribution / active EE | $844 | $696+21.3% | $1,160-27.2% | $2,597-67.5% |
| Participant deferral / active EE | $2,056 | $1,264+62.7% | $2,125-3.2% | $4,028-48.9% |
| Admin fee / account holder | $2,651 | $2,010+31.9% | $2,131+24.4% | $5,404-50.9% |