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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 | $27,711 | $82,674-66.5% | $125,381-77.9% | $68,486-59.5% |
| Participation rate | 47.7% | 75.1%-27.3pp | 82.4%-34.7pp | 67.9%-20.2pp |
| Annual return | -14.59% | -5.97%-8.6pp | 572.31%-586.9pp | -7.85%-6.7pp |
| Employer contribution / active EE | $0 | $3,382-100.0% | $4,815-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $3,721 | $6,111-39.1% | $7,448-50.0% | $4,028-7.6% |
| Admin fee / account holder | $1,519 | $6,277-75.8% | $10,007-84.8% | $5,404-71.9% |