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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 | $74,936 | $72,404+3.5% | $110,243-32.0% | $64,173+16.8% |
| Participation rate | 61.0% | 73.3%-12.3pp | 79.8%-18.8pp | 69.6%-8.5pp |
| Annual return | -5.22% | -6.29%+1.1pp | 314.76%-320.0pp | 7.63%-12.9pp |
| Employer contribution / active EE | $1,958 | $2,282-14.2% | $3,827-48.8% | $2,381-17.7% |
| Participant deferral / active EE | $3,568 | $3,469+2.9% | $4,672-23.6% | $3,470+2.8% |
| Admin fee / account holder | $3,634 | $5,664-35.8% | $8,548-57.5% | $4,887-25.6% |