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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 | $65,126 | $75,832-14.1% | $147,617-55.9% | $59,633+9.2% |
| Participation rate | 42.6% | 71.6%-29.0pp | 84.6%-42.1pp | 68.7%-26.1pp |
| Annual return | -2.29% | 0.37%-2.7pp | 61.98%-64.3pp | 2041.45%-2043.7pp |
| Employer contribution / active EE | $0 | $3,485-100.0% | $5,564-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $2,275 | $3,131-27.3% | $4,895-53.5% | $3,192-28.7% |
| Admin fee / account holder | $844 | $5,986-85.9% | $11,612-92.7% | $4,297-80.4% |