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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 | $28,386 | $54,355-47.8% | $82,744-65.7% | $68,486-58.6% |
| Participation rate | 46.3% | 63.9%-17.6pp | 72.6%-26.2pp | 67.9%-21.6pp |
| Annual return | -17.68% | -13.67%-4.0pp | 702.22%-719.9pp | -7.85%-9.8pp |
| Employer contribution / active EE | $967 | $2,219-56.4% | $3,008-67.9% | $2,597-62.8% |
| Participant deferral / active EE | $3,514 | $3,246+8.2% | $4,395-20.0% | $4,028-12.8% |
| Admin fee / account holder | $1,271 | $4,397-71.1% | $5,325-76.1% | $5,404-76.5% |