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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 | $43,053 | $72,177-40.4% | $115,037-62.6% | $59,632-27.8% |
| Participation rate | 62.5% | 72.6%-10.1pp | 81.4%-18.9pp | 68.7%-6.2pp |
| Annual return | -0.63% | 12.02%-12.6pp | 26.14%-26.8pp | 2041.32%-2041.9pp |
| Employer contribution / active EE | $2,046 | $2,841-28.0% | $4,608-55.6% | $2,203-7.1% |
| Participant deferral / active EE | $4,905 | $4,783+2.6% | $6,026-18.6% | $3,192+53.7% |
| Admin fee / account holder | $442 | $4,927-91.0% | $8,175-94.6% | $4,297-89.7% |