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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 | $66,955 | $82,678-19.0% | $125,391-46.6% | $68,490-2.2% |
| Participation rate | 50.0% | 75.1%-25.1pp | 82.4%-32.4pp | 67.9%-17.9pp |
| Annual return | -13.33% | -5.97%-7.4pp | 572.41%-585.7pp | -7.85%-5.5pp |
| Employer contribution / active EE | $0 | $3,382-100.0% | $4,816-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $4,150 | $6,111-32.1% | $7,448-44.3% | $4,028+3.0% |
| Admin fee / account holder | $1,121 | $6,277-82.1% | $10,009-88.8% | $5,403-79.2% |