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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 | $46,327 | $152,542-69.6% | $117,498-60.6% | $134,509-65.6% |
| Participation rate | 50.0% | 77.1%-27.1pp | 70.6%-20.6pp | 81.2%-31.2pp |
| Annual return | -20.01% | 53.02%-73.0pp | 29.75%-49.8pp | 418.13%-438.1pp |
| Employer contribution / active EE | $1,004 | $5,574-82.0% | $4,178-76.0% | $4,741-78.8% |
| Participant deferral / active EE | $2,296 | $4,819-52.4% | $4,071-43.6% | $6,400-64.1% |
| Admin fee / account holder | $2,314 | $7,006-67.0% | $5,646-59.0% | $11,427-79.7% |