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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 | $101,077 | $53,546+88.8% | $69,884+44.6% | $68,486+47.6% |
| Participation rate | 56.2% | 64.5%-8.4pp | 70.5%-14.3pp | 67.9%-11.7pp |
| Annual return | -12.58% | -13.87%+1.3pp | 190.81%-203.4pp | -7.85%-4.7pp |
| Employer contribution / active EE | $1,566 | $2,019-22.4% | $2,560-38.8% | $2,597-39.7% |
| Participant deferral / active EE | $3,514 | $2,957+18.9% | $3,848-8.7% | $4,028-12.8% |
| Admin fee / account holder | $9,825 | $4,693+109.4% | $6,266+56.8% | $5,404+81.8% |