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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 | $84,112 | $43,730+92.3% | $121,220-30.6% | $64,173+31.1% |
| Participation rate | 57.8% | 58.3%-0.6pp | 71.8%-14.0pp | 69.6%-11.8pp |
| Annual return | -4.51% | 68.94%-73.4pp | 16.94%-21.4pp | 7.63%-12.1pp |
| Employer contribution / active EE | $1,693 | $1,297+30.6% | $4,023-57.9% | $2,381-28.9% |
| Participant deferral / active EE | $1,868 | $2,281-18.1% | $3,345-44.2% | $3,470-46.2% |
| Admin fee / account holder | $3,349 | $3,502-4.4% | $5,021-33.3% | $4,887-31.5% |