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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 | $19,897 | $27,632-28.0% | $61,452-67.6% | $68,486-70.9% |
| Participation rate | 60.0% | 39.5%+20.5pp | 52.6%+7.4pp | 67.9%-7.9pp |
| Annual return | -17.53% | -13.24%-4.3pp | 338.96%-356.5pp | -7.85%-9.7pp |
| Employer contribution / active EE | $530 | $696-23.9% | $1,160-54.3% | $2,597-79.6% |
| Participant deferral / active EE | $1,489 | $1,264+17.9% | $2,125-29.9% | $4,028-63.0% |
| Admin fee / account holder | $1,094 | $2,010-45.6% | $2,131-48.7% | $5,404-79.8% |