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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 | $76,142 | $52,678+44.5% | $75,784+0.5% | $59,633+27.7% |
| Participation rate | 44.7% | 67.2%-22.5pp | 75.8%-31.1pp | 68.7%-23.9pp |
| Annual return | -1.04% | 2.95%-4.0pp | 9.68%-10.7pp | 2041.45%-2042.5pp |
| Employer contribution / active EE | $1,176 | $2,193-46.4% | $3,323-64.6% | $2,203-46.6% |
| Participant deferral / active EE | $2,358 | $2,591-9.0% | $3,652-35.4% | $3,192-26.1% |
| Admin fee / account holder | $567 | $3,610-84.3% | $5,300-89.3% | $4,297-86.8% |