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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 | $19,013 | $82,674-77.0% | $125,381-84.8% | $68,486-72.2% |
| Participation rate | 61.3% | 75.1%-13.8pp | 82.4%-21.1pp | 67.9%-6.6pp |
| Annual return | -16.20% | -5.97%-10.2pp | 572.31%-588.5pp | -7.85%-8.3pp |
| Employer contribution / active EE | $1,833 | $3,382-45.8% | $4,815-61.9% | $2,597-29.4% |
| Participant deferral / active EE | $3,470 | $6,111-43.2% | $7,448-53.4% | $4,028-13.9% |
| Admin fee / account holder | $3,658 | $6,277-41.7% | $10,007-63.4% | $5,404-32.3% |