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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 | $28,873 | $49,177-41.3% | $79,476-63.7% | $64,181-55.0% |
| Participation rate | 64.3% | 65.0%-0.7pp | 73.3%-9.1pp | 69.6%-5.3pp |
| Annual return | -5.67% | -1.16%-4.5pp | 718.21%-723.9pp | 7.63%-13.3pp |
| Employer contribution / active EE | $1,114 | $2,076-46.3% | $2,800-60.2% | $2,381-53.2% |
| Participant deferral / active EE | $1,922 | $2,821-31.9% | $3,704-48.1% | $3,470-44.6% |
| Admin fee / account holder | $1,568 | $3,839-59.2% | $5,113-69.3% | $4,887-67.9% |