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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 | $11,255 | $54,357-79.3% | $82,706-86.4% | $68,495-83.6% |
| Participation rate | 62.1% | 63.9%-1.8pp | 72.6%-10.4pp | 67.9%-5.8pp |
| Annual return | -17.40% | -13.67%-3.7pp | 701.76%-719.2pp | -7.84%-9.6pp |
| Employer contribution / active EE | $680 | $2,218-69.3% | $3,007-77.4% | $2,596-73.8% |
| Participant deferral / active EE | $1,412 | $3,246-56.5% | $4,394-67.9% | $4,028-64.9% |
| Admin fee / account holder | $328 | $4,396-92.5% | $5,329-93.8% | $5,403-93.9% |