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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 | $64,695 | $69,977-7.5% | $108,582-40.4% | $62,881+2.9% |
| Participation rate | 50.0% | 72.9%-22.9pp | 79.6%-29.6pp | 69.3%-19.3pp |
| Annual return | 12.06% | 10.73%+1.3pp | -51.70%+63.8pp | 20.14%-8.1pp |
| Employer contribution / active EE | $642 | $2,135-69.9% | $3,758-82.9% | $2,281-71.9% |
| Participant deferral / active EE | $5,053 | $3,165+59.7% | $4,311+17.2% | $3,203+57.7% |
| Admin fee / account holder | $1,915 | $5,076-62.3% | $7,645-74.9% | $4,296-55.4% |