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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 | $49,557 | $92,219-46.3% | $76,768-35.4% | $135,379-63.4% |
| Participation rate | 41.7% | 79.8%-38.1pp | 77.0%-35.3pp | 82.6%-41.0pp |
| Annual return | -6.30% | 5.46%-11.8pp | 2.43%-8.7pp | 519.79%-526.1pp |
| Employer contribution / active EE | $806 | $3,216-74.9% | $2,485-67.6% | $4,779-83.1% |
| Participant deferral / active EE | $1,628 | $4,508-63.9% | $3,852-57.7% | $5,609-71.0% |
| Admin fee / account holder | $320 | $10,749-97.0% | $6,675-95.2% | $10,828-97.0% |