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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 | $36,994 | $54,357-31.9% | $82,706-55.3% | $68,495-46.0% |
| Participation rate | 30.3% | 63.9%-33.6pp | 72.6%-42.3pp | 67.9%-37.6pp |
| Annual return | 0.00% | -13.67%+13.7pp | 701.76%-701.8pp | -7.84%+7.8pp |
| Employer contribution / active EE | $3,917 | $2,218+76.6% | $3,007+30.2% | $2,596+50.9% |
| Participant deferral / active EE | $1,264 | $3,246-61.1% | $4,394-71.2% | $4,028-68.6% |
| Admin fee / account holder | $766 | $4,396-82.6% | $5,329-85.6% | $5,403-85.8% |