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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 | $27,082 | $84,518-68.0% | $67,704-60.0% | $125,389-78.4% |
| Participation rate | 68.4% | 74.8%-6.4pp | 67.5%+0.9pp | 83.2%-14.8pp |
| Annual return | -0.36% | 2.57%-2.9pp | 25.41%-25.8pp | 282.24%-282.6pp |
| Employer contribution / active EE | $1,569 | $3,292-52.3% | $2,559-38.7% | $4,866-67.7% |
| Participant deferral / active EE | $3,710 | $4,430-16.2% | $3,585+3.5% | $5,352-30.7% |
| Admin fee / account holder | $1,888 | $5,340-64.6% | $4,255-55.6% | $9,541-80.2% |