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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 | $31,635 | $82,630-61.7% | $64,105-50.7% | $125,388-74.8% |
| Participation rate | 52.9% | 75.9%-22.9pp | 68.2%-15.2pp | 83.2%-30.2pp |
| Annual return | -2.26% | 1489.72%-1492.0pp | 791.24%-793.5pp | 282.24%-284.5pp |
| Employer contribution / active EE | $964 | $2,671-63.9% | $1,820-47.0% | $4,866-80.2% |
| Participant deferral / active EE | $2,745 | $3,608-23.9% | $2,822-2.7% | $5,352-48.7% |
| Admin fee / account holder | $5,833 | $6,382-8.6% | $4,499+29.6% | $9,541-38.9% |