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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 | $79,378 | $54,380+46.0% | $68,509+15.9% | $59,633+33.1% |
| Participation rate | 50.0% | 70.2%-20.2pp | 74.7%-24.7pp | 68.7%-18.7pp |
| Annual return | -0.56% | 2.83%-3.4pp | 8.27%-8.8pp | 2041.40%-2042.0pp |
| Employer contribution / active EE | $710 | $1,539-53.9% | $2,278-68.8% | $2,203-67.8% |
| Participant deferral / active EE | $2,663 | $2,643+0.7% | $3,382-21.3% | $3,192-16.6% |
| Admin fee / account holder | $3,729 | $3,885-4.0% | $5,275-29.3% | $4,297-13.2% |