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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 | $44,056 | $82,314-46.5% | $68,808-36.0% | $134,532-67.3% |
| Participation rate | 52.6% | 75.1%-22.4pp | 69.0%-16.4pp | 81.2%-28.6pp |
| Annual return | 1.54% | -2.18%+3.7pp | -6.37%+7.9pp | 418.27%-416.7pp |
| Employer contribution / active EE | $1,422 | $3,301-56.9% | $2,656-46.5% | $4,741-70.0% |
| Participant deferral / active EE | $3,426 | $4,740-27.7% | $3,942-13.1% | $6,401-46.5% |
| Admin fee / account holder | $2,316 | $6,484-64.3% | $4,936-53.1% | $11,429-79.7% |