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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 | $30,591 | $57,352-46.7% | $83,830-63.5% | $64,173-52.3% |
| Participation rate | 37.7% | 68.6%-30.9pp | 76.1%-38.4pp | 69.6%-31.9pp |
| Annual return | -7.40% | 11.38%-18.8pp | 850.97%-858.4pp | 7.63%-15.0pp |
| Employer contribution / active EE | $927 | $2,546-63.6% | $3,631-74.5% | $2,381-61.1% |
| Participant deferral / active EE | $2,478 | $2,993-17.2% | $4,082-39.3% | $3,470-28.6% |
| Admin fee / account holder | $5,121 | $4,046+26.6% | $5,479-6.5% | $4,887+4.8% |