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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 | $58,499 | $54,380+7.6% | $68,509-14.6% | $59,633-1.9% |
| Participation rate | 51.0% | 70.2%-19.2pp | 74.7%-23.7pp | 68.7%-17.7pp |
| Annual return | -1.01% | 2.83%-3.8pp | 8.27%-9.3pp | 2041.45%-2042.5pp |
| Employer contribution / active EE | $294 | $1,539-80.9% | $2,278-87.1% | $2,203-86.6% |
| Participant deferral / active EE | $1,858 | $2,643-29.7% | $3,382-45.1% | $3,192-41.8% |
| Admin fee / account holder | $1,758 | $3,885-54.8% | $5,275-66.7% | $4,297-59.1% |