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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 | $26,121 | $32,117-18.7% | $71,089-63.3% | $64,173-59.3% |
| Participation rate | 35.1% | 42.7%-7.6pp | 54.6%-19.6pp | 69.6%-34.5pp |
| Annual return | 5.24% | -5.57%+10.8pp | 650.65%-645.4pp | 7.63%-2.4pp |
| Employer contribution / active EE | $826 | $712+16.0% | $1,088-24.1% | $2,381-65.3% |
| Participant deferral / active EE | $1,287 | $1,263+1.9% | $1,873-31.2% | $3,470-62.9% |
| Admin fee / account holder | $1,678 | $2,759-39.2% | $3,082-45.6% | $4,887-65.7% |