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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 | $53,030 | $167,362-68.3% | $143,799-63.1% | $134,532-60.6% |
| Participation rate | 66.7% | 84.8%-18.2pp | 80.3%-13.6pp | 81.2%-14.6pp |
| Annual return | 0.00% | 0.47%-0.5pp | -0.04%0pp | 418.27%-418.3pp |
| Employer contribution / active EE | $2,860 | $5,620-49.1% | $4,952-42.2% | $4,741-39.7% |
| Participant deferral / active EE | $6,774 | $6,447+5.1% | $5,638+20.1% | $6,401+5.8% |
| Admin fee / account holder | $4,539 | $18,094-74.9% | $14,677-69.1% | $11,429-60.3% |