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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 | $47,529 | $54,370-12.6% | $82,763-42.6% | $68,490-30.6% |
| Participation rate | 54.2% | 63.9%-9.8pp | 72.6%-18.4pp | 67.9%-13.7pp |
| Annual return | -14.61% | -13.67%-0.9pp | 702.45%-717.1pp | -7.85%-6.8pp |
| Employer contribution / active EE | $1,182 | $2,219-46.7% | $3,008-60.7% | $2,597-54.5% |
| Participant deferral / active EE | $1,563 | $3,247-51.9% | $4,395-64.4% | $4,028-61.2% |
| Admin fee / account holder | $15,150 | $4,398+244.5% | $5,325+184.5% | $5,403+180.4% |