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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 | $41,794 | $72,177-42.1% | $115,038-63.7% | $59,633-29.9% |
| Participation rate | 48.1% | 72.6%-24.4pp | 81.4%-33.2pp | 68.7%-20.5pp |
| Annual return | 1.04% | 12.02%-11.0pp | 26.14%-25.1pp | 2041.45%-2040.4pp |
| Employer contribution / active EE | $2,159 | $2,841-24.0% | $4,608-53.1% | $2,203-2.0% |
| Participant deferral / active EE | $4,548 | $4,783-4.9% | $6,026-24.5% | $3,192+42.5% |
| Admin fee / account holder | $6,865 | $4,927+39.3% | $8,175-16.0% | $4,297+59.8% |