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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 | $35,505 | $54,573-34.9% | $90,965-61.0% | $73,493-51.7% |
| Participation rate | 50.0% | 61.2%-11.2pp | 69.0%-19.0pp | 70.7%-20.7pp |
| Annual return | 13.66% | 16.69%-3.0pp | 134.57%-120.9pp | 28.51%-14.9pp |
| Employer contribution / active EE | $0 | $991-100.0% | $2,122-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $3,159 | $2,517+25.5% | $3,373-6.3% | $3,740-15.5% |
| Admin fee / account holder | $4,673 | $521+796.2% | $5,960-21.6% | $513+810.8% |