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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 | $37,388 | $87,546-57.3% | $75,784-50.7% | $125,389-70.2% |
| Participation rate | 56.3% | 80.2%-23.9pp | 75.8%-19.6pp | 83.2%-26.9pp |
| Annual return | -0.31% | 13.49%-13.8pp | 9.68%-10.0pp | 282.24%-282.5pp |
| Employer contribution / active EE | $1,853 | $3,930-52.9% | $3,323-44.2% | $4,866-61.9% |
| Participant deferral / active EE | $3,431 | $4,230-18.9% | $3,652-6.0% | $5,352-35.9% |
| Admin fee / account holder | $1,031 | $6,503-84.1% | $5,300-80.5% | $9,541-89.2% |