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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 | $45,754 | $42,396+7.9% | $67,313-32.0% | $56,289-18.7% |
| Participation rate | 16.5% | 61.0%-44.5pp | 69.1%-52.6pp | 69.9%-53.3pp |
| Annual return | -7.46% | -36.63%+29.2pp | -4.08%-3.4pp | -9.96%+2.5pp |
| Employer contribution / active EE | $0 | $1,414-100.0% | $2,566-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $1,095 | $2,360-53.6% | $3,568-69.3% | $3,350-67.3% |
| Admin fee / account holder | $434 | $510-14.8% | $4,507-90.4% | $521-16.6% |