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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 | $61,308 | $95,895-36.1% | $79,576-23.0% | $134,509-54.4% |
| Participation rate | 69.2% | 75.0%-5.8pp | 69.5%-0.3pp | 81.2%-12.0pp |
| Annual return | 0.00% | -2.72%+2.7pp | 0.15%-0.1pp | 418.13%-418.1pp |
| Employer contribution / active EE | $785 | $3,128-74.9% | $2,413-67.5% | $4,741-83.5% |
| Participant deferral / active EE | $3,225 | $4,693-31.3% | $3,985-19.1% | $6,400-49.6% |
| Admin fee / account holder | $3,292 | $9,129-63.9% | $6,834-51.8% | $11,427-71.2% |