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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 | $28,417 | $100,805-71.8% | $86,698-67.2% | $134,532-78.9% |
| Participation rate | 62.5% | 79.0%-16.5pp | 76.6%-14.1pp | 81.2%-18.7pp |
| Annual return | -13.59% | 29.09%-42.7pp | 35.95%-49.5pp | 418.27%-431.9pp |
| Employer contribution / active EE | $1,657 | $3,490-52.5% | $2,837-41.6% | $4,741-65.0% |
| Participant deferral / active EE | $5,512 | $5,339+3.2% | $4,656+18.4% | $6,401-13.9% |
| Admin fee / account holder | $1,174 | $10,925-89.3% | $7,493-84.3% | $11,429-89.7% |