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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 | $31,777 | $82,678-61.6% | $125,391-74.7% | $68,490-53.6% |
| Participation rate | 64.3% | 75.1%-10.8pp | 82.4%-18.1pp | 67.9%-3.6pp |
| Annual return | -10.34% | -5.97%-4.4pp | 572.41%-582.8pp | -7.85%-2.5pp |
| Employer contribution / active EE | $4,579 | $3,382+35.4% | $4,816-4.9% | $2,597+76.4% |
| Participant deferral / active EE | $3,726 | $6,111-39.0% | $7,448-50.0% | $4,028-7.5% |
| Admin fee / account holder | $9,300 | $6,277+48.1% | $10,009-7.1% | $5,403+72.1% |