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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 | $51,243 | $52,678-2.7% | $75,784-32.4% | $59,633-14.1% |
| Participation rate | 37.3% | 67.2%-29.9pp | 75.8%-38.5pp | 68.7%-31.3pp |
| Annual return | -2.58% | 2.95%-5.5pp | 9.68%-12.3pp | 2041.45%-2044.0pp |
| Employer contribution / active EE | $814 | $2,193-62.9% | $3,323-75.5% | $2,203-63.0% |
| Participant deferral / active EE | $1,606 | $2,591-38.0% | $3,652-56.0% | $3,192-49.7% |
| Admin fee / account holder | $5,658 | $3,610+56.7% | $5,300+6.8% | $4,297+31.7% |