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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 | $61,116 | $86,701-29.5% | $73,309-16.6% | $125,389-51.3% |
| Participation rate | 58.3% | 78.6%-20.3pp | 74.9%-16.6pp | 83.2%-24.9pp |
| Annual return | -0.95% | 2.78%-3.7pp | 5.67%-6.6pp | 282.24%-283.2pp |
| Employer contribution / active EE | $1,939 | $4,152-53.3% | $3,237-40.1% | $4,866-60.2% |
| Participant deferral / active EE | $3,262 | $5,549-41.2% | $4,991-34.6% | $5,352-39.0% |
| Admin fee / account holder | $1,996 | $7,768-74.3% | $5,635-64.6% | $9,541-79.1% |