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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 | $47,312 | $133,981-64.7% | $112,249-57.9% | $134,532-64.8% |
| Participation rate | 26.7% | 78.6%-51.9pp | 75.1%-48.4pp | 81.2%-54.6pp |
| Annual return | -19.53% | 47.16%-66.7pp | 27.48%-47.0pp | 418.27%-437.8pp |
| Employer contribution / active EE | $1,614 | $4,040-60.1% | $3,636-55.6% | $4,741-66.0% |
| Participant deferral / active EE | $2,297 | $5,292-56.6% | $4,729-51.4% | $6,401-64.1% |
| Admin fee / account holder | $516 | $7,492-93.1% | $6,412-91.9% | $11,429-95.5% |