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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 | $14,151 | $30,732-54.0% | $59,496-76.2% | $59,633-76.3% |
| Participation rate | 58.3% | 43.2%+15.1pp | 54.6%+3.8pp | 68.7%-10.3pp |
| Annual return | -0.95% | 4.47%-5.4pp | 182.05%-183.0pp | 2041.45%-2042.4pp |
| Employer contribution / active EE | $1,314 | $631+108.4% | $1,153+14.0% | $2,203-40.3% |
| Participant deferral / active EE | $2,956 | $1,183+149.9% | $1,829+61.6% | $3,192-7.4% |
| Admin fee / account holder | $375 | $2,136-82.4% | $2,232-83.2% | $4,297-91.3% |