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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 | $55,647 | $45,438+22.5% | $80,004-30.4% | $59,633-6.7% |
| Participation rate | 45.3% | 63.7%-18.4pp | 73.0%-27.7pp | 68.7%-23.3pp |
| Annual return | -1.51% | 5.10%-6.6pp | 7.63%-9.1pp | 2041.40%-2042.9pp |
| Employer contribution / active EE | $814 | $1,236-34.1% | $2,473-67.1% | $2,203-63.0% |
| Participant deferral / active EE | $1,718 | $2,231-23.0% | $3,204-46.4% | $3,192-46.2% |
| Admin fee / account holder | $1,093 | $3,464-68.5% | $5,033-78.3% | $4,297-74.6% |