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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 | $39,334 | $82,678-52.4% | $125,391-68.6% | $68,490-42.6% |
| Participation rate | 36.4% | 75.1%-38.7pp | 82.4%-46.0pp | 67.9%-31.5pp |
| Annual return | -19.37% | -5.97%-13.4pp | 572.41%-591.8pp | -7.85%-11.5pp |
| Employer contribution / active EE | $0 | $3,382-100.0% | $4,816-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $4,354 | $6,111-28.8% | $7,448-41.5% | $4,028+8.1% |
| Admin fee / account holder | $728 | $6,277-88.4% | $10,009-92.7% | $5,403-86.5% |