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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 | $62,037 | $70,435-11.9% | $96,575-35.8% | $85,856-27.7% |
| Participation rate | 64.3% | 61.8%+2.5pp | 69.8%-5.5pp | 69.3%-5.0pp |
| Annual return | 0.00% | 18.59%-18.6pp | 37.79%-37.8pp | 318.58%-318.6pp |
| Employer contribution / active EE | $907 | $1,413-35.8% | $2,357-61.5% | $2,565-64.6% |
| Participant deferral / active EE | $2,770 | $2,894-4.3% | $3,849-28.0% | $3,952-29.9% |
| Admin fee / account holder | $547 | $4,997-89.1% | $6,182-91.2% | $6,261-91.3% |