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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 | $39,105 | $52,678-25.8% | $75,784-48.4% | $59,633-34.4% |
| Participation rate | 41.7% | 67.2%-25.6pp | 75.8%-34.2pp | 68.7%-27.0pp |
| Annual return | -2.14% | 2.95%-5.1pp | 9.68%-11.8pp | 2041.40%-2043.5pp |
| Employer contribution / active EE | $1,051 | $2,193-52.1% | $3,323-68.4% | $2,203-52.3% |
| Participant deferral / active EE | $2,041 | $2,591-21.2% | $3,652-44.1% | $3,192-36.1% |
| Admin fee / account holder | $901 | $3,610-75.0% | $5,300-83.0% | $4,297-79.0% |