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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 | $38,725 | $95,188-59.3% | $76,518-49.4% | $135,380-71.4% |
| Participation rate | 58.8% | 74.4%-15.6pp | 68.0%-9.2pp | 82.6%-23.8pp |
| Annual return | -9.26% | 4.85%-14.1pp | -0.27%-9.0pp | 519.81%-529.1pp |
| Employer contribution / active EE | $0 | $3,303-100.0% | $2,647-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $6,348 | $4,640+36.8% | $3,836+65.5% | $5,609+13.2% |
| Admin fee / account holder | $1,334 | $6,249-78.7% | $4,849-72.5% | $10,828-87.7% |