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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 | $41,168 | $167,362-75.4% | $143,799-71.4% | $134,532-69.4% |
| Participation rate | 52.4% | 84.8%-32.4pp | 80.3%-27.9pp | 81.2%-28.8pp |
| Annual return | -13.35% | 0.47%-13.8pp | -0.04%-13.3pp | 418.27%-431.6pp |
| Employer contribution / active EE | $1,894 | $5,620-66.3% | $4,952-61.7% | $4,741-60.0% |
| Participant deferral / active EE | $3,704 | $6,447-42.6% | $5,638-34.3% | $6,401-42.1% |
| Admin fee / account holder | $392 | $18,094-97.8% | $14,677-97.3% | $11,429-96.6% |