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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 | $29,628 | $92,219-67.9% | $76,767-61.4% | $135,380-78.1% |
| Participation rate | 68.8% | 79.8%-11.0pp | 77.0%-8.2pp | 82.6%-13.9pp |
| Annual return | -7.54% | 5.46%-13.0pp | 2.43%-10.0pp | 519.81%-527.3pp |
| Employer contribution / active EE | $1,418 | $3,216-55.9% | $2,485-42.9% | $4,779-70.3% |
| Participant deferral / active EE | $3,407 | $4,508-24.4% | $3,852-11.5% | $5,609-39.3% |
| Admin fee / account holder | $12,277 | $10,749+14.2% | $6,675+83.9% | $10,828+13.4% |