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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 | $227,073 | $32,037+608.8% | $69,182+228.2% | $62,881+261.1% |
| Participation rate | 5.1% | 43.4%-38.3pp | 55.1%-50.0pp | 69.3%-64.2pp |
| Annual return | 5.12% | 15.16%-10.0pp | -21.93%+27.1pp | 20.14%-15.0pp |
| Employer contribution / active EE | $544 | $679-20.0% | $1,206-54.9% | $2,281-76.2% |
| Participant deferral / active EE | $923 | $1,185-22.1% | $1,897-51.3% | $3,203-71.2% |
| Admin fee / account holder | $1,305 | $2,608-50.0% | $2,697-51.6% | $4,296-69.6% |