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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 | $15,506 | $45,152-65.7% | $73,836-79.0% | $59,633-74.0% |
| Participation rate | 63.3% | 64.0%-0.7pp | 73.4%-10.1pp | 68.7%-5.3pp |
| Annual return | -0.56% | 27.40%-28.0pp | 2268.06%-2268.6pp | 2041.45%-2042.0pp |
| Employer contribution / active EE | $1,640 | $1,901-13.8% | $2,787-41.2% | $2,203-25.6% |
| Participant deferral / active EE | $3,639 | $2,573+41.4% | $3,583+1.6% | $3,192+14.0% |
| Admin fee / account holder | $600 | $3,515-82.9% | $4,882-87.7% | $4,297-86.0% |