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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 | $29,090 | $82,678-64.8% | $125,391-76.8% | $68,490-57.5% |
| Participation rate | 69.4% | 75.1%-5.6pp | 82.4%-12.9pp | 67.9%+1.5pp |
| Annual return | -14.18% | -5.97%-8.2pp | 572.41%-586.6pp | -7.85%-6.3pp |
| Employer contribution / active EE | $816 | $3,382-75.9% | $4,816-83.1% | $2,597-68.6% |
| Participant deferral / active EE | $2,699 | $6,111-55.8% | $7,448-63.8% | $4,028-33.0% |
| Admin fee / account holder | $472 | $6,277-92.5% | $10,009-95.3% | $5,403-91.3% |