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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 | $48,609 | $167,353-71.0% | $143,797-66.2% | $134,545-63.9% |
| Participation rate | 52.2% | 84.8%-32.6pp | 80.3%-28.1pp | 81.2%-29.1pp |
| Annual return | -19.44% | 0.48%-19.9pp | -0.04%-19.4pp | 418.37%-437.8pp |
| Employer contribution / active EE | $1,955 | $5,620-65.2% | $4,952-60.5% | $4,742-58.8% |
| Participant deferral / active EE | $3,343 | $6,447-48.2% | $5,638-40.7% | $6,401-47.8% |
| Admin fee / account holder | $712 | $18,096-96.1% | $14,679-95.1% | $11,431-93.8% |