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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 | $22,899 | $61,787-62.9% | $97,197-76.4% | $80,925-71.7% |
| Participation rate | 48.8% | 63.5%-14.6pp | 72.7%-23.9pp | 67.7%-18.8pp |
| Annual return | 11.07% | -558.16%+569.2pp | 75.47%-64.4pp | 35.65%-24.6pp |
| Employer contribution / active EE | $928 | $1,836-49.5% | $2,723-65.9% | $2,756-66.3% |
| Participant deferral / active EE | $1,267 | $3,027-58.1% | $4,263-70.3% | $4,299-70.5% |
| Admin fee / account holder | $769 | $5,170-85.1% | $5,637-86.4% | $6,940-88.9% |