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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 | $89,027 | $28,109+216.7% | $71,089+25.2% | $56,289+58.2% |
| Participation rate | 20.6% | 40.4%-19.8pp | 54.6%-34.1pp | 69.9%-49.3pp |
| Annual return | -8.18% | -615.05%+606.9pp | 650.65%-658.8pp | -9.96%+1.8pp |
| Employer contribution / active EE | $331 | $558-40.6% | $1,088-69.5% | $2,111-84.3% |
| Participant deferral / active EE | $1,037 | $1,116-7.1% | $1,873-44.6% | $3,350-69.1% |
| Admin fee / account holder | $477 | $585-18.4% | $3,082-84.5% | $521-8.4% |