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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 | $83,556 | $91,536-8.7% | $130,062-35.8% | $75,177+11.1% |
| Participation rate | 24.7% | 71.5%-46.7pp | 78.5%-53.8pp | 67.2%-42.5pp |
| Annual return | 17.36% | -631.62%+649.0pp | -137.37%+154.7pp | 160.75%-143.4pp |
| Employer contribution / active EE | $919 | $2,845-67.7% | $4,322-78.7% | $2,671-65.6% |
| Participant deferral / active EE | $1,933 | $4,343-55.5% | $5,821-66.8% | $4,126-53.2% |
| Admin fee / account holder | $783 | $6,780-88.4% | $10,601-92.6% | $5,651-86.1% |