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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 | $25,345 | $69,541-63.6% | $59,899-57.7% | $135,380-81.3% |
| Participation rate | 62.5% | 77.8%-15.3pp | 74.7%-12.2pp | 82.6%-20.1pp |
| Annual return | -6.19% | 7.95%-14.1pp | 3.46%-9.6pp | 519.81%-526.0pp |
| Employer contribution / active EE | $980 | $3,236-69.7% | $2,723-64.0% | $4,779-79.5% |
| Participant deferral / active EE | $3,440 | $4,206-18.2% | $3,402+1.1% | $5,609-38.7% |
| Admin fee / account holder | $682 | $5,737-88.1% | $3,592-81.0% | $10,828-93.7% |