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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 | $48,829 | $54,380-10.2% | $68,509-28.7% | $59,633-18.1% |
| Participation rate | 62.5% | 70.2%-7.7pp | 74.7%-12.2pp | 68.7%-6.2pp |
| Annual return | -0.92% | 2.83%-3.8pp | 8.27%-9.2pp | 2041.45%-2042.4pp |
| Employer contribution / active EE | $386 | $1,539-74.9% | $2,278-83.1% | $2,203-82.5% |
| Participant deferral / active EE | $2,807 | $2,643+6.2% | $3,382-17.0% | $3,192-12.0% |
| Admin fee / account holder | $1,518 | $3,885-60.9% | $5,275-71.2% | $4,297-64.7% |