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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 | $24,345 | $82,678-70.6% | $125,391-80.6% | $68,490-64.5% |
| Participation rate | 60.5% | 75.1%-14.6pp | 82.4%-21.9pp | 67.9%-7.4pp |
| Annual return | -18.67% | -5.97%-12.7pp | 572.41%-591.1pp | -7.85%-10.8pp |
| Employer contribution / active EE | $3,837 | $3,382+13.4% | $4,816-20.3% | $2,597+47.8% |
| Participant deferral / active EE | $3,310 | $6,111-45.8% | $7,448-55.6% | $4,028-17.8% |
| Admin fee / account holder | $3,298 | $6,277-47.5% | $10,009-67.1% | $5,403-39.0% |