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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 | $33,845 | $82,674-59.1% | $125,381-73.0% | $68,486-50.6% |
| Participation rate | 52.1% | 75.1%-23.0pp | 82.4%-30.3pp | 67.9%-15.8pp |
| Annual return | -18.24% | -5.97%-12.3pp | 572.31%-590.5pp | -7.85%-10.4pp |
| Employer contribution / active EE | $1,641 | $3,382-51.5% | $4,815-65.9% | $2,597-36.8% |
| Participant deferral / active EE | $3,743 | $6,111-38.7% | $7,448-49.7% | $4,028-7.1% |
| Admin fee / account holder | $6,711 | $6,277+6.9% | $10,007-32.9% | $5,404+24.2% |