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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 | $49,980 | $45,438+10.0% | $80,004-37.5% | $59,633-16.2% |
| Participation rate | 61.3% | 63.7%-2.4pp | 73.0%-11.7pp | 68.7%-7.4pp |
| Annual return | -1.73% | 5.10%-6.8pp | 7.63%-9.4pp | 2041.45%-2043.2pp |
| Employer contribution / active EE | $971 | $1,236-21.4% | $2,473-60.7% | $2,203-55.9% |
| Participant deferral / active EE | $2,015 | $2,231-9.7% | $3,204-37.1% | $3,192-36.9% |
| Admin fee / account holder | $7,298 | $3,464+110.7% | $5,033+45.0% | $4,297+69.8% |