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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 | $49,220 | $77,816-36.7% | $123,549-60.2% | $64,181-23.3% |
| Participation rate | 68.8% | 74.7%-6.0pp | 82.3%-13.5pp | 69.6%-0.8pp |
| Annual return | -7.18% | 12.49%-19.7pp | 119.20%-126.4pp | 7.63%-14.8pp |
| Employer contribution / active EE | $1,739 | $3,014-42.3% | $4,628-62.4% | $2,381-27.0% |
| Participant deferral / active EE | $3,391 | $5,240-35.3% | $6,426-47.2% | $3,470-2.3% |
| Admin fee / account holder | $935 | $5,519-83.1% | $9,284-89.9% | $4,887-80.9% |