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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 | $35,331 | $43,133-18.1% | $89,435-60.5% | $73,497-51.9% |
| Participation rate | 44.1% | 55.0%-10.8pp | 68.0%-23.9pp | 70.7%-26.6pp |
| Annual return | 17.79% | 135.66%-117.9pp | 245.55%-227.8pp | 28.51%-10.7pp |
| Employer contribution / active EE | $507 | $1,438-64.7% | $2,587-80.4% | $2,270-77.6% |
| Participant deferral / active EE | $1,676 | $2,445-31.5% | $3,890-56.9% | $3,740-55.2% |
| Admin fee / account holder | $2,071 | $444+366.6% | $4,884-57.6% | $513+303.6% |