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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 | $21,946 | $93,117-76.4% | $77,096-71.5% | $134,532-83.7% |
| Participation rate | 64.3% | 74.5%-10.2pp | 67.9%-3.6pp | 81.2%-16.9pp |
| Annual return | -20.41% | 62.67%-83.1pp | 42.35%-62.8pp | 418.27%-438.7pp |
| Employer contribution / active EE | $548 | $3,420-84.0% | $2,814-80.5% | $4,741-88.4% |
| Participant deferral / active EE | $6,854 | $5,241+30.8% | $4,429+54.7% | $6,401+7.1% |
| Admin fee / account holder | $808 | $6,948-88.4% | $5,428-85.1% | $11,429-92.9% |