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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 | $19,629 | $57,352-65.8% | $83,831-76.6% | $64,173-69.4% |
| Participation rate | 41.8% | 68.6%-26.8pp | 76.1%-34.3pp | 69.6%-27.8pp |
| Annual return | -7.43% | 11.38%-18.8pp | 850.99%-858.4pp | 7.63%-15.1pp |
| Employer contribution / active EE | $846 | $2,546-66.8% | $3,631-76.7% | $2,381-64.5% |
| Participant deferral / active EE | $1,986 | $2,993-33.7% | $4,082-51.4% | $3,470-42.8% |
| Admin fee / account holder | $1,095 | $4,046-72.9% | $5,479-80.0% | $4,887-77.6% |