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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 | $28,741 | $67,411-57.4% | $91,004-68.4% | $70,126-59.0% |
| Participation rate | 57.1% | 71.4%-14.2pp | 75.6%-18.5pp | 69.5%-12.4pp |
| Annual return | 57.51% | -40.16%+97.7pp | 4.60%+52.9pp | 73.15%-15.6pp |
| Employer contribution / active EE | $916 | $1,786-48.7% | $2,456-62.7% | $2,343-60.9% |
| Participant deferral / active EE | $2,587 | $2,823-8.3% | $3,548-27.1% | $3,332-22.4% |
| Admin fee / account holder | $767 | $4,236-81.9% | $5,417-85.8% | $4,645-83.5% |