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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 | $52,082 | $54,355-4.2% | $82,744-37.1% | $68,486-24.0% |
| Participation rate | 62.7% | 63.9%-1.2pp | 72.6%-9.9pp | 67.9%-5.2pp |
| Annual return | -10.40% | -13.67%+3.3pp | 702.22%-712.6pp | -7.85%-2.5pp |
| Employer contribution / active EE | $0 | $2,219-100.0% | $3,008-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $1,747 | $3,246-46.2% | $4,395-60.2% | $4,028-56.6% |
| Admin fee / account holder | $4,432 | $4,397+0.8% | $5,325-16.8% | $5,404-18.0% |