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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 | $64,702 | $142,361-54.6% | $119,608-45.9% | $134,509-51.9% |
| Participation rate | 40.0% | 82.8%-42.8pp | 79.3%-39.3pp | 81.2%-41.2pp |
| Annual return | -15.82% | -12.46%-3.4pp | -14.98%-0.8pp | 418.13%-434.0pp |
| Employer contribution / active EE | $1,962 | $5,224-62.4% | $4,232-53.6% | $4,741-58.6% |
| Participant deferral / active EE | $4,289 | $6,468-33.7% | $5,601-23.4% | $6,400-33.0% |
| Admin fee / account holder | $2,064 | $13,588-84.8% | $10,326-80.0% | $11,427-81.9% |