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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 | $46,381 | $75,962-38.9% | $154,108-69.9% | $64,173-27.7% |
| Participation rate | 37.5% | 70.4%-32.9pp | 83.0%-45.5pp | 69.6%-32.1pp |
| Annual return | -1.03% | 30.32%-31.3pp | 735.21%-736.2pp | 7.63%-8.7pp |
| Employer contribution / active EE | $723 | $3,350-78.4% | $5,298-86.4% | $2,381-69.6% |
| Participant deferral / active EE | $1,439 | $3,175-54.7% | $5,081-71.7% | $3,470-58.5% |
| Admin fee / account holder | $492 | $5,589-91.2% | $13,411-96.3% | $4,887-89.9% |