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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 | $42,811 | $59,107-27.6% | $86,439-50.5% | $68,495-37.5% |
| Participation rate | 48.5% | 75.2%-26.8pp | 80.3%-31.8pp | 67.9%-19.4pp |
| Annual return | -16.05% | -0.23%-15.8pp | 4395.55%-4411.6pp | -7.84%-8.2pp |
| Employer contribution / active EE | $2,317 | $2,519-8.0% | $3,769-38.5% | $2,596-10.8% |
| Participant deferral / active EE | $4,337 | $5,901-26.5% | $6,952-37.6% | $4,028+7.7% |
| Admin fee / account holder | $6,857 | $5,637+21.7% | $6,732+1.9% | $5,403+26.9% |