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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 | $14,884 | $48,274-69.2% | $63,244-76.5% | $59,633-75.0% |
| Participation rate | 26.5% | 66.3%-39.8pp | 71.0%-44.5pp | 68.7%-42.1pp |
| Annual return | -1.18% | -240.79%+239.6pp | -70.31%+69.1pp | 2041.45%-2042.6pp |
| Employer contribution / active EE | $736 | $1,586-53.6% | $2,322-68.3% | $2,203-66.6% |
| Participant deferral / active EE | $1,400 | $2,343-40.2% | $2,953-52.6% | $3,192-56.1% |
| Admin fee / account holder | $325 | $3,600-91.0% | $5,893-94.5% | $4,297-92.4% |