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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 | $68,728 | $93,124-26.2% | $77,100-10.9% | $134,545-48.9% |
| Participation rate | 61.5% | 74.5%-13.0pp | 67.9%-6.4pp | 81.2%-19.7pp |
| Annual return | -16.76% | 62.68%-79.4pp | 42.35%-59.1pp | 418.37%-435.1pp |
| Employer contribution / active EE | $0 | $3,421-100.0% | $2,815-100.0% | $4,742-100.0% |
| Participant deferral / active EE | $1,251 | $5,242-76.1% | $4,430-71.8% | $6,401-80.5% |
| Admin fee / account holder | $1,102 | $6,970-84.2% | $5,443-79.8% | $11,431-90.4% |