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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 | $78,142 | $32,117+143.3% | $71,089+9.9% | $64,173+21.8% |
| Participation rate | 28.6% | 42.7%-14.1pp | 54.6%-26.1pp | 69.6%-41.0pp |
| Annual return | -0.74% | -5.57%+4.8pp | 650.65%-651.4pp | 7.63%-8.4pp |
| Employer contribution / active EE | $644 | $712-9.6% | $1,088-40.8% | $2,381-73.0% |
| Participant deferral / active EE | $1,062 | $1,263-15.9% | $1,873-43.3% | $3,470-69.4% |
| Admin fee / account holder | $2,573 | $2,759-6.7% | $3,082-16.5% | $4,887-47.4% |