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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 | $45,518 | $39,162+16.2% | $100,671-54.8% | $59,633-23.7% |
| Participation rate | 36.1% | 55.9%-19.8pp | 70.7%-34.6pp | 68.7%-32.6pp |
| Annual return | -1.89% | 21.07%-23.0pp | 20.43%-22.3pp | 2041.45%-2043.3pp |
| Employer contribution / active EE | $545 | $1,151-52.6% | $4,012-86.4% | $2,203-75.3% |
| Participant deferral / active EE | $1,856 | $1,992-6.8% | $3,144-41.0% | $3,192-41.9% |
| Admin fee / account holder | $516 | $2,969-82.6% | $4,850-89.4% | $4,297-88.0% |