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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 | $36,140 | $52,678-31.4% | $75,784-52.3% | $59,633-39.4% |
| Participation rate | 58.8% | 67.2%-8.4pp | 75.8%-17.0pp | 68.7%-9.8pp |
| Annual return | 0.57% | 2.95%-2.4pp | 9.68%-9.1pp | 2041.45%-2040.9pp |
| Employer contribution / active EE | $1,420 | $2,193-35.3% | $3,323-57.3% | $2,203-35.6% |
| Participant deferral / active EE | $2,479 | $2,591-4.3% | $3,652-32.1% | $3,192-22.3% |
| Admin fee / account holder | $754 | $3,610-79.1% | $5,300-85.8% | $4,297-82.5% |