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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 | $82,957 | $91,911-9.7% | $68,612+20.9% | $135,379-38.7% |
| Participation rate | 44.4% | 76.7%-32.3pp | 72.2%-27.8pp | 82.6%-38.2pp |
| Annual return | -4.95% | -8.22%+3.3pp | -4.63%-0.3pp | 519.79%-524.7pp |
| Employer contribution / active EE | $1,382 | $3,924-64.8% | $2,625-47.4% | $4,779-71.1% |
| Participant deferral / active EE | $4,076 | $4,315-5.5% | $3,311+23.1% | $5,609-27.3% |
| Admin fee / account holder | $7,701 | $9,240-16.7% | $5,131+50.1% | $10,828-28.9% |