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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 | $80,448 | $32,117+150.5% | $71,089+13.2% | $64,173+25.4% |
| Participation rate | 34.3% | 42.7%-8.4pp | 54.6%-20.4pp | 69.6%-35.3pp |
| Annual return | -2.06% | -5.57%+3.5pp | 650.65%-652.7pp | 7.63%-9.7pp |
| Employer contribution / active EE | $809 | $712+13.5% | $1,088-25.7% | $2,381-66.0% |
| Participant deferral / active EE | $2,774 | $1,263+119.7% | $1,873+48.2% | $3,470-20.0% |
| Admin fee / account holder | $2,430 | $2,759-11.9% | $3,082-21.2% | $4,887-50.3% |