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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 | $53,959 | $45,438+18.8% | $80,004-32.6% | $59,633-9.5% |
| Participation rate | 46.2% | 63.7%-17.6pp | 73.0%-26.9pp | 68.7%-22.5pp |
| Annual return | -1.28% | 5.10%-6.4pp | 7.63%-8.9pp | 2041.45%-2042.7pp |
| Employer contribution / active EE | $0 | $1,236-100.0% | $2,473-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $5,683 | $2,231+154.7% | $3,204+77.4% | $3,192+78.0% |
| Admin fee / account holder | $1,470 | $3,464-57.6% | $5,033-70.8% | $4,297-65.8% |