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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 | $22,460 | $93,117-75.9% | $77,096-70.9% | $134,532-83.3% |
| Participation rate | 25.0% | 74.5%-49.5pp | 67.9%-42.9pp | 81.2%-56.2pp |
| Annual return | -18.39% | 62.67%-81.1pp | 42.35%-60.7pp | 418.27%-436.7pp |
| Employer contribution / active EE | $480 | $3,420-86.0% | $2,814-82.9% | $4,741-89.9% |
| Participant deferral / active EE | $4,250 | $5,241-18.9% | $4,429-4.0% | $6,401-33.6% |
| Admin fee / account holder | $348 | $6,948-95.0% | $5,428-93.6% | $11,429-97.0% |