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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 | $57,912 | $69,012-16.1% | $160,009-63.8% | $68,486-15.4% |
| Participation rate | 48.8% | 65.4%-16.6pp | 78.0%-29.1pp | 67.9%-19.1pp |
| Annual return | -14.66% | -9.65%-5.0pp | 408.85%-423.5pp | -7.85%-6.8pp |
| Employer contribution / active EE | $664 | $2,212-70.0% | $4,225-84.3% | $2,597-74.4% |
| Participant deferral / active EE | $2,026 | $4,212-51.9% | $6,183-67.2% | $4,028-49.7% |
| Admin fee / account holder | $728 | $4,798-84.8% | $8,715-91.6% | $5,404-86.5% |