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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 | $38,235 | $48,050-20.4% | $85,969-55.5% | $59,633-35.9% |
| Participation rate | 59.5% | 64.5%-4.9pp | 76.5%-17.0pp | 68.7%-9.1pp |
| Annual return | -1.71% | 0.29%-2.0pp | 9.32%-11.0pp | 2041.45%-2043.2pp |
| Employer contribution / active EE | $893 | $1,640-45.5% | $3,474-74.3% | $2,203-59.5% |
| Participant deferral / active EE | $1,560 | $2,249-30.6% | $3,829-59.3% | $3,192-51.1% |
| Admin fee / account holder | $1,258 | $3,206-60.8% | $6,053-79.2% | $4,297-70.7% |