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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 | $11,288 | $84,464-86.6% | $61,399-81.6% | $134,509-91.6% |
| Participation rate | 60.0% | 62.2%-2.2pp | 52.6%+7.4pp | 81.2%-21.2pp |
| Annual return | -21.63% | 585.06%-606.7pp | 338.81%-360.4pp | 418.13%-439.8pp |
| Employer contribution / active EE | $1,077 | $1,545-30.3% | $1,159-7.1% | $4,741-77.3% |
| Participant deferral / active EE | $2,643 | $2,818-6.2% | $2,124+24.4% | $6,400-58.7% |
| Admin fee / account holder | $766 | $2,587-70.4% | $2,131-64.1% | $11,427-93.3% |