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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 | $73,672 | $43,730+68.5% | $121,220-39.2% | $64,173+14.8% |
| Participation rate | 44.8% | 58.3%-13.6pp | 71.8%-27.0pp | 69.6%-24.8pp |
| Annual return | -5.98% | 68.94%-74.9pp | 16.94%-22.9pp | 7.63%-13.6pp |
| Employer contribution / active EE | $1,294 | $1,297-0.2% | $4,023-67.8% | $2,381-45.6% |
| Participant deferral / active EE | $2,964 | $2,281+29.9% | $3,345-11.4% | $3,470-14.6% |
| Admin fee / account holder | $15,385 | $3,502+339.3% | $5,021+206.4% | $4,887+214.8% |