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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 | $61,481 | $129,960-52.7% | $104,299-41.1% | $134,545-54.3% |
| Participation rate | 68.8% | 79.5%-10.8pp | 73.3%-4.5pp | 81.2%-12.5pp |
| Annual return | -16.23% | 42.06%-58.3pp | 24.62%-40.9pp | 418.37%-434.6pp |
| Employer contribution / active EE | $1,633 | $4,186-61.0% | $3,373-51.6% | $4,742-65.6% |
| Participant deferral / active EE | $2,323 | $5,589-58.4% | $4,626-49.8% | $6,401-63.7% |
| Admin fee / account holder | $505 | $9,324-94.6% | $7,339-93.1% | $11,431-95.6% |