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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 | $73,019 | $85,024-14.1% | $70,544+3.5% | $139,466-47.6% |
| Participation rate | 55.6% | 73.9%-18.4pp | 68.4%-12.8pp | 80.3%-24.8pp |
| Annual return | 0.00% | 30.39%-30.4pp | 32.79%-32.8pp | 373.66%-373.7pp |
| Employer contribution / active EE | $706 | $3,912-81.9% | $2,976-76.3% | $4,754-85.1% |
| Participant deferral / active EE | $3,577 | $5,891-39.3% | $4,568-21.7% | $6,712-46.7% |
| Admin fee / account holder | $2,344 | $8,928-73.7% | $6,427-63.5% | $11,409-79.5% |