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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 | $33,729 | $61,815-45.4% | $97,295-65.3% | $80,959-58.3% |
| Participation rate | 18.8% | 63.5%-44.7pp | 72.7%-53.9pp | 67.7%-48.9pp |
| Annual return | 11.62% | -558.73%+570.4pp | 75.62%-64.0pp | 35.67%-24.0pp |
| Employer contribution / active EE | $2,481 | $1,836+35.1% | $2,723-8.9% | $2,757-10.0% |
| Participant deferral / active EE | $4,190 | $3,027+38.4% | $4,264-1.7% | $4,300-2.6% |
| Admin fee / account holder | $1,518 | $5,166-70.6% | $5,646-73.1% | $6,925-78.1% |