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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 | $34,703 | $54,370-36.2% | $82,763-58.1% | $68,490-49.3% |
| Participation rate | 61.8% | 63.9%-2.2pp | 72.6%-10.8pp | 67.9%-6.1pp |
| Annual return | -8.00% | -13.67%+5.7pp | 702.45%-710.5pp | -7.85%-0.1pp |
| Employer contribution / active EE | $1,155 | $2,219-48.0% | $3,008-61.6% | $2,597-55.5% |
| Participant deferral / active EE | $2,790 | $3,247-14.1% | $4,395-36.5% | $4,028-30.7% |
| Admin fee / account holder | $1,488 | $4,398-66.2% | $5,325-72.1% | $5,403-72.5% |