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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 | $45,113 | $127,096-64.5% | $105,736-57.3% | $135,380-66.7% |
| Participation rate | 66.7% | 82.7%-16.0pp | 76.3%-9.7pp | 82.6%-16.0pp |
| Annual return | -6.84% | 4.49%-11.3pp | 6.27%-13.1pp | 519.81%-526.6pp |
| Employer contribution / active EE | $1,712 | $4,107-58.3% | $3,268-47.6% | $4,779-64.2% |
| Participant deferral / active EE | $3,598 | $5,064-28.9% | $4,080-11.8% | $5,609-35.8% |
| Admin fee / account holder | $2,212 | $9,087-75.7% | $6,913-68.0% | $10,828-79.6% |