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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 | $24,099 | $72,177-66.6% | $115,038-79.1% | $59,633-59.6% |
| Participation rate | 62.7% | 72.6%-9.8pp | 81.4%-18.6pp | 68.7%-5.9pp |
| Annual return | 0.00% | 12.02%-12.0pp | 26.14%-26.1pp | 2041.45%-2041.5pp |
| Employer contribution / active EE | $829 | $2,841-70.8% | $4,608-82.0% | $2,203-62.4% |
| Participant deferral / active EE | $3,903 | $4,783-18.4% | $6,026-35.2% | $3,192+22.3% |
| Admin fee / account holder | $482 | $4,927-90.2% | $8,175-94.1% | $4,297-88.8% |