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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 | $57,332 | $45,438+26.2% | $80,004-28.3% | $59,633-3.9% |
| Participation rate | 59.8% | 63.7%-4.0pp | 73.0%-13.3pp | 68.7%-8.9pp |
| Annual return | -1.53% | 5.10%-6.6pp | 7.63%-9.2pp | 2041.45%-2043.0pp |
| Employer contribution / active EE | $410 | $1,236-66.8% | $2,473-83.4% | $2,203-81.4% |
| Participant deferral / active EE | $2,153 | $2,231-3.5% | $3,204-32.8% | $3,192-32.5% |
| Admin fee / account holder | $4,518 | $3,464+30.4% | $5,033-10.2% | $4,297+5.2% |