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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 | $24,777 | $133,998-81.5% | $112,263-77.9% | $134,545-81.6% |
| Participation rate | 63.6% | 78.6%-14.9pp | 75.1%-11.4pp | 81.2%-17.6pp |
| Annual return | -15.52% | 47.17%-62.7pp | 27.49%-43.0pp | 418.37%-433.9pp |
| Employer contribution / active EE | $1,341 | $4,040-66.8% | $3,636-63.1% | $4,742-71.7% |
| Participant deferral / active EE | $4,437 | $5,292-16.2% | $4,729-6.2% | $6,401-30.7% |
| Admin fee / account holder | $499 | $7,493-93.3% | $6,410-92.2% | $11,431-95.6% |