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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 | $70,515 | $77,817-9.4% | $123,553-42.9% | $64,173+9.9% |
| Participation rate | 52.5% | 74.7%-22.2pp | 82.3%-29.8pp | 69.6%-17.1pp |
| Annual return | -4.66% | 12.49%-17.2pp | 119.21%-123.9pp | 7.63%-12.3pp |
| Employer contribution / active EE | $0 | $3,014-100.0% | $4,628-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $3,298 | $5,240-37.1% | $6,426-48.7% | $3,470-4.9% |
| Admin fee / account holder | $6,474 | $5,519+17.3% | $9,284-30.3% | $4,887+32.5% |