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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 | $49,611 | $52,678-5.8% | $75,784-34.5% | $59,633-16.8% |
| Participation rate | 47.4% | 67.2%-19.8pp | 75.8%-28.4pp | 68.7%-21.2pp |
| Annual return | -1.61% | 2.95%-4.6pp | 9.68%-11.3pp | 2041.40%-2043.0pp |
| Employer contribution / active EE | $1,122 | $2,193-48.9% | $3,323-66.2% | $2,203-49.1% |
| Participant deferral / active EE | $2,264 | $2,591-12.6% | $3,652-38.0% | $3,192-29.1% |
| Admin fee / account holder | $1,773 | $3,610-50.9% | $5,300-66.5% | $4,297-58.7% |