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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 | $56,398 | $72,177-21.9% | $115,037-51.0% | $59,633-5.4% |
| Participation rate | 49.4% | 72.6%-23.2pp | 81.4%-32.0pp | 68.7%-19.3pp |
| Annual return | 1.20% | 12.02%-10.8pp | 26.14%-24.9pp | 2041.40%-2040.2pp |
| Employer contribution / active EE | $1,095 | $2,841-61.5% | $4,608-76.2% | $2,203-50.3% |
| Participant deferral / active EE | $3,341 | $4,783-30.1% | $6,026-44.6% | $3,192+4.7% |
| Admin fee / account holder | $3,790 | $4,927-23.1% | $8,175-53.6% | $4,297-11.8% |