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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 | $9,412 | $27,632-65.9% | $61,452-84.7% | $68,486-86.3% |
| Participation rate | 11.6% | 39.5%-27.9pp | 52.6%-41.0pp | 67.9%-56.3pp |
| Annual return | -20.91% | -13.24%-7.7pp | 338.96%-359.9pp | -7.85%-13.1pp |
| Employer contribution / active EE | $251 | $696-63.9% | $1,160-78.3% | $2,597-90.3% |
| Participant deferral / active EE | $483 | $1,264-61.8% | $2,125-77.3% | $4,028-88.0% |
| Admin fee / account holder | $874 | $2,010-56.5% | $2,131-59.0% | $5,404-83.8% |