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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 | $39,261 | $76,000-48.3% | $154,111-74.5% | $64,186-38.8% |
| Participation rate | 37.0% | 70.4%-33.4pp | 83.0%-46.0pp | 69.6%-32.5pp |
| Annual return | -2.37% | 30.32%-32.7pp | 735.15%-737.5pp | 7.63%-10.0pp |
| Employer contribution / active EE | $404 | $3,351-87.9% | $5,298-92.4% | $2,381-83.0% |
| Participant deferral / active EE | $1,471 | $3,175-53.7% | $5,081-71.0% | $3,470-57.6% |
| Admin fee / account holder | $576 | $5,596-89.7% | $13,411-95.7% | $4,888-88.2% |