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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 | $47,229 | $90,320-47.7% | $59,496-20.6% | $125,389-62.3% |
| Participation rate | 27.8% | 68.3%-40.5pp | 54.6%-26.8pp | 83.2%-55.4pp |
| Annual return | -4.05% | 369.13%-373.2pp | 182.05%-186.1pp | 282.24%-286.3pp |
| Employer contribution / active EE | $556 | $1,792-69.0% | $1,153-51.8% | $4,866-88.6% |
| Participant deferral / active EE | $3,123 | $2,716+15.0% | $1,829+70.7% | $5,352-41.7% |
| Admin fee / account holder | $861 | $3,063-71.9% | $2,232-61.4% | $9,541-91.0% |