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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 | $87,151 | $27,639+215.3% | $61,501+41.7% | $68,490+27.2% |
| Participation rate | 39.0% | 39.5%-0.5pp | 52.6%-13.5pp | 67.9%-28.9pp |
| Annual return | -16.95% | -13.19%-3.8pp | 339.04%-356.0pp | -7.85%-9.1pp |
| Employer contribution / active EE | $946 | $696+35.9% | $1,160-18.4% | $2,597-63.6% |
| Participant deferral / active EE | $2,533 | $1,264+100.5% | $2,125+19.2% | $4,028-37.1% |
| Admin fee / account holder | $769 | $2,012-61.8% | $2,132-63.9% | $5,403-85.8% |