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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 | $37,595 | $52,678-28.6% | $75,784-50.4% | $59,633-37.0% |
| Participation rate | 31.9% | 67.2%-35.3pp | 75.8%-43.9pp | 68.7%-36.8pp |
| Annual return | -0.79% | 2.95%-3.7pp | 9.68%-10.5pp | 2041.45%-2042.2pp |
| Employer contribution / active EE | $728 | $2,193-66.8% | $3,323-78.1% | $2,203-67.0% |
| Participant deferral / active EE | $1,316 | $2,591-49.2% | $3,652-64.0% | $3,192-58.8% |
| Admin fee / account holder | $1,489 | $3,610-58.7% | $5,300-71.9% | $4,297-65.3% |