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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 | $81,049 | $43,730+85.3% | $121,220-33.1% | $64,173+26.3% |
| Participation rate | 29.5% | 58.3%-28.8pp | 71.8%-42.2pp | 69.6%-40.0pp |
| Annual return | -5.15% | 68.94%-74.1pp | 16.94%-22.1pp | 7.63%-12.8pp |
| Employer contribution / active EE | $0 | $1,297-100.0% | $4,023-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $3,372 | $2,281+47.8% | $3,345+0.8% | $3,470-2.8% |
| Admin fee / account holder | $21,382 | $3,502+510.5% | $5,021+325.9% | $4,887+337.5% |