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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 | $18,099 | $69,012-73.8% | $160,009-88.7% | $68,486-73.6% |
| Participation rate | 38.5% | 65.4%-27.0pp | 78.0%-39.5pp | 67.9%-29.4pp |
| Annual return | -17.08% | -9.65%-7.4pp | 408.85%-425.9pp | -7.85%-9.2pp |
| Employer contribution / active EE | $1,082 | $2,212-51.1% | $4,225-74.4% | $2,597-58.3% |
| Participant deferral / active EE | $1,829 | $4,212-56.6% | $6,183-70.4% | $4,028-54.6% |
| Admin fee / account holder | $738 | $4,798-84.6% | $8,715-91.5% | $5,404-86.3% |