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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 | $102,956 | $133,981-23.2% | $112,249-8.3% | $134,532-23.5% |
| Participation rate | 30.0% | 78.6%-48.6pp | 75.1%-45.1pp | 81.2%-51.2pp |
| Annual return | -18.47% | 47.16%-65.6pp | 27.48%-46.0pp | 418.27%-436.7pp |
| Employer contribution / active EE | $1,469 | $4,040-63.6% | $3,636-59.6% | $4,741-69.0% |
| Participant deferral / active EE | $3,703 | $5,292-30.0% | $4,729-21.7% | $6,401-42.2% |
| Admin fee / account holder | $30,010 | $7,492+300.6% | $6,412+368.0% | $11,429+162.6% |