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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 | $72,885 | $32,117+126.9% | $71,086+2.5% | $64,173+13.6% |
| Participation rate | 32.1% | 42.7%-10.6pp | 54.7%-22.5pp | 69.6%-37.4pp |
| Annual return | -6.86% | -5.57%-1.3pp | 650.59%-657.4pp | 7.63%-14.5pp |
| Employer contribution / active EE | $98 | $712-86.3% | $1,088-91.0% | $2,381-95.9% |
| Participant deferral / active EE | $1,037 | $1,263-17.9% | $1,874-44.6% | $3,470-70.1% |
| Admin fee / account holder | $787 | $2,759-71.5% | $3,082-74.5% | $4,887-83.9% |