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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 | $31,476 | $27,632+13.9% | $61,399-48.7% | $68,495-54.0% |
| Participation rate | 20.0% | 39.5%-19.5pp | 52.6%-32.6pp | 67.9%-47.9pp |
| Annual return | -19.14% | -13.24%-5.9pp | 338.81%-358.0pp | -7.84%-11.3pp |
| Employer contribution / active EE | $433 | $696-37.8% | $1,159-62.7% | $2,596-83.3% |
| Participant deferral / active EE | $1,621 | $1,264+28.3% | $2,124-23.7% | $4,028-59.7% |
| Admin fee / account holder | $810 | $2,010-59.7% | $2,131-62.0% | $5,403-85.0% |