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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 | $23,000 | $52,911-56.5% | $73,309-68.6% | $59,633-61.4% |
| Participation rate | 64.7% | 68.2%-3.5pp | 74.9%-10.2pp | 68.7%-4.0pp |
| Annual return | -0.15% | 12.20%-12.4pp | 5.67%-5.8pp | 2041.45%-2041.6pp |
| Employer contribution / active EE | $3,770 | $1,909+97.5% | $3,237+16.5% | $2,203+71.2% |
| Participant deferral / active EE | $4,980 | $4,069+22.4% | $4,991-0.2% | $3,192+56.0% |
| Admin fee / account holder | $432 | $3,835-88.7% | $5,635-92.3% | $4,297-89.9% |