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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 | $30,161 | $82,674-63.5% | $125,381-75.9% | $68,486-56.0% |
| Participation rate | 54.3% | 75.1%-20.8pp | 82.4%-28.1pp | 67.9%-13.6pp |
| Annual return | -17.88% | -5.97%-11.9pp | 572.31%-590.2pp | -7.85%-10.0pp |
| Employer contribution / active EE | $858 | $3,382-74.6% | $4,815-82.2% | $2,597-66.9% |
| Participant deferral / active EE | $4,240 | $6,111-30.6% | $7,448-43.1% | $4,028+5.3% |
| Admin fee / account holder | $6,391 | $6,277+1.8% | $10,007-36.1% | $5,404+18.3% |