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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 | $115,993 | $75,959+52.7% | $154,114-24.7% | $64,181+80.7% |
| Participation rate | 30.8% | 70.4%-39.6pp | 83.0%-52.3pp | 69.6%-38.8pp |
| Annual return | -7.03% | 30.32%-37.4pp | 735.16%-742.2pp | 7.63%-14.7pp |
| Employer contribution / active EE | $0 | $3,350-100.0% | $5,298-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,875 | $3,175-40.9% | $5,081-63.1% | $3,470-46.0% |
| Admin fee / account holder | $2,453 | $5,589-56.1% | $13,411-81.7% | $4,887-49.8% |