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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 | $44,535 | $87,546-49.1% | $75,784-41.2% | $125,389-64.5% |
| Participation rate | 54.5% | 80.2%-25.6pp | 75.8%-21.3pp | 83.2%-28.6pp |
| Annual return | -0.12% | 13.49%-13.6pp | 9.68%-9.8pp | 282.24%-282.4pp |
| Employer contribution / active EE | $561 | $3,930-85.7% | $3,323-83.1% | $4,866-88.5% |
| Participant deferral / active EE | $1,591 | $4,230-62.4% | $3,652-56.4% | $5,352-70.3% |
| Admin fee / account holder | $728 | $6,503-88.8% | $5,300-86.3% | $9,541-92.4% |