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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 | $144,490 | $54,357+165.8% | $82,706+74.7% | $68,495+110.9% |
| Participation rate | 29.1% | 63.9%-34.8pp | 72.6%-43.4pp | 67.9%-38.8pp |
| Annual return | -18.86% | -13.67%-5.2pp | 701.76%-720.6pp | -7.84%-11.0pp |
| Employer contribution / active EE | $986 | $2,218-55.5% | $3,007-67.2% | $2,596-62.0% |
| Participant deferral / active EE | $2,079 | $3,246-36.0% | $4,394-52.7% | $4,028-48.4% |
| Admin fee / account holder | $1,638 | $4,396-62.7% | $5,329-69.3% | $5,403-69.7% |