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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 | $29,682 | $50,637-41.4% | $86,582-65.7% | $62,293-52.4% |
| Participation rate | 53.9% | 67.9%-14.0pp | 73.5%-19.6pp | 69.5%-15.6pp |
| Annual return | 12.71% | 20.80%-8.1pp | 965.08%-952.4pp | 28.90%-16.2pp |
| Employer contribution / active EE | $463 | $2,075-77.7% | $2,839-83.7% | $2,042-77.3% |
| Participant deferral / active EE | $1,560 | $2,611-40.3% | $3,609-56.8% | $3,169-50.8% |
| Admin fee / account holder | $4,322 | $413+945.8% | $4,904-11.9% | $479+801.7% |