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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 | $69,926 | $57,352+21.9% | $83,831-16.6% | $64,173+9.0% |
| Participation rate | 31.0% | 68.6%-37.7pp | 76.1%-45.2pp | 69.6%-38.6pp |
| Annual return | -7.55% | 11.38%-18.9pp | 850.99%-858.5pp | 7.63%-15.2pp |
| Employer contribution / active EE | $1,516 | $2,546-40.5% | $3,631-58.3% | $2,381-36.3% |
| Participant deferral / active EE | $2,903 | $2,993-3.0% | $4,082-28.9% | $3,470-16.3% |
| Admin fee / account holder | $4,310 | $4,046+6.5% | $5,479-21.3% | $4,887-11.8% |