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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 | $34,399 | $95,915-64.1% | $79,580-56.8% | $134,532-74.4% |
| Participation rate | 66.7% | 75.0%-8.4pp | 69.5%-2.8pp | 81.2%-14.6pp |
| Annual return | -19.32% | -2.71%-16.6pp | 0.15%-19.5pp | 418.27%-437.6pp |
| Employer contribution / active EE | $1,642 | $3,129-47.5% | $2,413-32.0% | $4,741-65.4% |
| Participant deferral / active EE | $5,219 | $4,693+11.2% | $3,985+31.0% | $6,401-18.5% |
| Admin fee / account holder | $462 | $9,132-94.9% | $6,835-93.2% | $11,429-96.0% |