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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 | $41,293 | $87,542-52.8% | $75,782-45.5% | $125,393-67.1% |
| Participation rate | 60.0% | 80.2%-20.2pp | 75.8%-15.8pp | 83.2%-23.2pp |
| Annual return | 0.25% | 13.48%-13.2pp | 9.68%-9.4pp | 282.23%-282.0pp |
| Employer contribution / active EE | $1,135 | $3,930-71.1% | $3,323-65.8% | $4,866-76.7% |
| Participant deferral / active EE | $1,792 | $4,229-57.6% | $3,652-50.9% | $5,351-66.5% |
| Admin fee / account holder | $1,813 | $6,502-72.1% | $5,300-65.8% | $9,541-81.0% |