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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 | $71,593 | $133,998-46.6% | $112,263-36.2% | $134,545-46.8% |
| Participation rate | 33.3% | 78.6%-45.2pp | 75.1%-41.7pp | 81.2%-47.9pp |
| Annual return | -16.28% | 47.17%-63.4pp | 27.49%-43.8pp | 418.37%-434.6pp |
| Employer contribution / active EE | $920 | $4,040-77.2% | $3,636-74.7% | $4,742-80.6% |
| Participant deferral / active EE | $2,551 | $5,292-51.8% | $4,729-46.1% | $6,401-60.2% |
| Admin fee / account holder | $2,527 | $7,493-66.3% | $6,410-60.6% | $11,431-77.9% |