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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 | $33,242 | $82,674-59.8% | $125,381-73.5% | $68,486-51.5% |
| Participation rate | 55.1% | 75.1%-20.0pp | 82.4%-27.3pp | 67.9%-12.8pp |
| Annual return | -13.21% | -5.97%-7.2pp | 572.31%-585.5pp | -7.85%-5.4pp |
| Employer contribution / active EE | $1,935 | $3,382-42.8% | $4,815-59.8% | $2,597-25.5% |
| Participant deferral / active EE | $4,915 | $6,111-19.6% | $7,448-34.0% | $4,028+22.0% |
| Admin fee / account holder | $724 | $6,277-88.5% | $10,007-92.8% | $5,404-86.6% |