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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 | $67,404 | $87,544-23.0% | $75,784-11.1% | $125,388-46.2% |
| Participation rate | 60.9% | 80.2%-19.3pp | 75.8%-15.0pp | 83.2%-22.3pp |
| Annual return | -1.52% | 13.49%-15.0pp | 9.68%-11.2pp | 282.24%-283.8pp |
| Employer contribution / active EE | $1,489 | $3,930-62.1% | $3,323-55.2% | $4,866-69.4% |
| Participant deferral / active EE | $3,794 | $4,229-10.3% | $3,652+3.9% | $5,352-29.1% |
| Admin fee / account holder | $357 | $6,502-94.5% | $5,300-93.3% | $9,541-96.3% |