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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 | $26,984 | $65,082-58.5% | $81,367-66.8% | $59,633-54.7% |
| Participation rate | 67.2% | 76.0%-8.8pp | 82.3%-15.1pp | 68.7%-1.5pp |
| Annual return | -1.52% | 1.16%-2.7pp | -0.92%-0.6pp | 2041.45%-2043.0pp |
| Employer contribution / active EE | $768 | $2,934-73.8% | $3,930-80.5% | $2,203-65.1% |
| Participant deferral / active EE | $2,133 | $4,083-47.8% | $5,383-60.4% | $3,192-33.2% |
| Admin fee / account holder | $2,174 | $7,582-71.3% | $8,926-75.6% | $4,297-49.4% |