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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 | $36,325 | $82,678-56.1% | $125,391-71.0% | $68,490-47.0% |
| Participation rate | 33.3% | 75.1%-41.7pp | 82.4%-49.1pp | 67.9%-34.6pp |
| Annual return | -17.32% | -5.97%-11.3pp | 572.41%-589.7pp | -7.85%-9.5pp |
| Employer contribution / active EE | $0 | $3,382-100.0% | $4,816-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $3,137 | $6,111-48.7% | $7,448-57.9% | $4,028-22.1% |
| Admin fee / account holder | $1,549 | $6,277-75.3% | $10,009-84.5% | $5,403-71.3% |