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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 | $27,927 | $49,471-43.5% | $79,583-64.9% | $66,949-58.3% |
| Participation rate | 20.0% | 61.4%-41.4pp | 69.5%-49.5pp | 69.8%-49.8pp |
| Annual return | -17.91% | 84.30%-102.2pp | 0.16%-18.1pp | 1.57%-19.5pp |
| Employer contribution / active EE | $935 | $1,266-26.1% | $2,414-61.2% | $2,545-63.2% |
| Participant deferral / active EE | $1,827 | $3,160-42.2% | $3,986-54.2% | $4,239-56.9% |
| Admin fee / account holder | $954 | $595+60.3% | $6,835-86.0% | $594+60.7% |