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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 | $194,205 | $92,766+109.4% | $82,763+134.7% | $134,545+44.3% |
| Participation rate | 27.8% | 75.2%-47.4pp | 72.6%-44.8pp | 81.2%-53.5pp |
| Annual return | -20.02% | 946.97%-967.0pp | 702.45%-722.5pp | 418.37%-438.4pp |
| Employer contribution / active EE | $0 | $3,273-100.0% | $3,008-100.0% | $4,742-100.0% |
| Participant deferral / active EE | $3,257 | $4,802-32.2% | $4,395-25.9% | $6,401-49.1% |
| Admin fee / account holder | $4,177 | $5,978-30.1% | $5,325-21.6% | $11,431-63.5% |