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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 | $153,266 | $32,117+377.2% | $71,089+115.6% | $64,173+138.8% |
| Participation rate | 20.5% | 42.7%-22.2pp | 54.6%-34.1pp | 69.6%-49.1pp |
| Annual return | -8.45% | -5.57%-2.9pp | 650.65%-659.1pp | 7.63%-16.1pp |
| Employer contribution / active EE | $492 | $712-30.9% | $1,088-54.8% | $2,381-79.3% |
| Participant deferral / active EE | $1,208 | $1,263-4.3% | $1,873-35.5% | $3,470-65.2% |
| Admin fee / account holder | $442 | $2,759-84.0% | $3,082-85.7% | $4,887-91.0% |