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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 | $22,380 | $72,177-69.0% | $115,038-80.5% | $59,633-62.5% |
| Participation rate | 43.8% | 72.6%-28.8pp | 81.4%-37.6pp | 68.7%-24.9pp |
| Annual return | -2.24% | 12.02%-14.3pp | 26.14%-28.4pp | 2041.47%-2043.7pp |
| Employer contribution / active EE | $1,717 | $2,841-39.6% | $4,608-62.7% | $2,203-22.0% |
| Participant deferral / active EE | $3,605 | $4,783-24.6% | $6,026-40.2% | $3,192+13.0% |
| Admin fee / account holder | $5,185 | $4,927+5.2% | $8,175-36.6% | $4,297+20.7% |