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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 | $66,668 | $211,946-68.5% | $169,452-60.7% | $135,380-50.8% |
| Participation rate | 18.8% | 82.6%-63.9pp | 77.8%-59.0pp | 82.6%-63.9pp |
| Annual return | -5.26% | 3.26%-8.5pp | 1.83%-7.1pp | 519.81%-525.1pp |
| Employer contribution / active EE | $615 | $5,117-88.0% | $4,157-85.2% | $4,779-87.1% |
| Participant deferral / active EE | $1,454 | $6,075-76.1% | $5,277-72.5% | $5,609-74.1% |
| Admin fee / account holder | $580 | $11,472-94.9% | $9,110-93.6% | $10,828-94.6% |