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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 | $68,098 | $49,451+37.7% | $79,580-14.4% | $66,938+1.7% |
| Participation rate | 25.5% | 61.3%-35.9pp | 69.5%-44.0pp | 69.8%-44.3pp |
| Annual return | -14.35% | 84.25%-98.6pp | 0.15%-14.5pp | 1.58%-15.9pp |
| Employer contribution / active EE | $920 | $1,266-27.3% | $2,413-61.9% | $2,545-63.8% |
| Participant deferral / active EE | $1,870 | $3,159-40.8% | $3,985-53.1% | $4,238-55.9% |
| Admin fee / account holder | $3,804 | $595+539.8% | $6,835-44.3% | $594+541.0% |