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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 | $49,106 | $54,380-9.7% | $68,509-28.3% | $59,633-17.7% |
| Participation rate | 45.2% | 70.2%-25.0pp | 74.7%-29.5pp | 68.7%-23.4pp |
| Annual return | -1.28% | 2.83%-4.1pp | 8.27%-9.6pp | 2041.45%-2042.7pp |
| Employer contribution / active EE | $1,400 | $1,539-9.0% | $2,278-38.5% | $2,203-36.4% |
| Participant deferral / active EE | $2,431 | $2,643-8.0% | $3,382-28.1% | $3,192-23.8% |
| Admin fee / account holder | $3,377 | $3,885-13.1% | $5,275-36.0% | $4,297-21.4% |