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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 | $35,576 | $82,678-57.0% | $125,391-71.6% | $68,490-48.1% |
| Participation rate | 65.4% | 75.1%-9.7pp | 82.4%-17.0pp | 67.9%-2.5pp |
| Annual return | -17.26% | -5.97%-11.3pp | 572.41%-589.7pp | -7.85%-9.4pp |
| Employer contribution / active EE | $794 | $3,382-76.5% | $4,816-83.5% | $2,597-69.4% |
| Participant deferral / active EE | $2,553 | $6,111-58.2% | $7,448-65.7% | $4,028-36.6% |
| Admin fee / account holder | $4,475 | $6,277-28.7% | $10,009-55.3% | $5,403-17.2% |