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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 | $38,062 | $167,353-77.3% | $143,797-73.5% | $134,545-71.7% |
| Participation rate | 0.0% | 84.8%-84.8pp | 80.3%-80.3pp | 81.2%-81.2pp |
| Annual return | -18.57% | 0.48%-19.1pp | -0.04%-18.5pp | 418.37%-436.9pp |
| Employer contribution / active EE | $1,452 | $5,620-74.2% | $4,952-70.7% | $4,742-69.4% |
| Participant deferral / active EE | $3,437 | $6,447-46.7% | $5,638-39.0% | $6,401-46.3% |
| Admin fee / account holder | $2,348 | $18,096-87.0% | $14,679-84.0% | $11,431-79.5% |