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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 | $31,048 | $52,911-41.3% | $73,309-57.6% | $59,633-47.9% |
| Participation rate | 40.0% | 68.2%-28.2pp | 74.9%-34.9pp | 68.7%-28.7pp |
| Annual return | 2.77% | 12.20%-9.4pp | 5.67%-2.9pp | 2041.40%-2038.6pp |
| Employer contribution / active EE | $548 | $1,909-71.3% | $3,237-83.1% | $2,203-75.1% |
| Participant deferral / active EE | $0 | $4,069-100.0% | $4,991-100.0% | $3,192-100.0% |
| Admin fee / account holder | $8,353 | $3,835+117.8% | $5,635+48.2% | $4,297+94.4% |