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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 | $78,274 | $52,911+47.9% | $73,309+6.8% | $59,633+31.3% |
| Participation rate | 64.1% | 68.2%-4.1pp | 74.9%-10.8pp | 68.7%-4.6pp |
| Annual return | -0.21% | 12.20%-12.4pp | 5.67%-5.9pp | 2041.45%-2041.7pp |
| Employer contribution / active EE | $1,859 | $1,909-2.6% | $3,237-42.6% | $2,203-15.6% |
| Participant deferral / active EE | $2,270 | $4,069-44.2% | $4,991-54.5% | $3,192-28.9% |
| Admin fee / account holder | $20,887 | $3,835+444.6% | $5,635+270.7% | $4,297+386.1% |