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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 | $32,132 | $86,701-62.9% | $73,309-56.2% | $125,388-74.4% |
| Participation rate | 53.8% | 78.6%-24.8pp | 74.9%-21.1pp | 83.2%-29.3pp |
| Annual return | -0.06% | 2.78%-2.8pp | 5.67%-5.7pp | 282.24%-282.3pp |
| Employer contribution / active EE | $2,222 | $4,152-46.5% | $3,237-31.4% | $4,866-54.3% |
| Participant deferral / active EE | $4,090 | $5,549-26.3% | $4,991-18.0% | $5,352-23.6% |
| Admin fee / account holder | $3,732 | $7,768-52.0% | $5,635-33.8% | $9,541-60.9% |