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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 | $24,774 | $133,998-81.5% | $112,263-77.9% | $134,545-81.6% |
| Participation rate | 43.5% | 78.6%-35.1pp | 75.1%-31.6pp | 81.2%-37.8pp |
| Annual return | -10.08% | 47.17%-57.3pp | 27.49%-37.6pp | 418.37%-428.5pp |
| Employer contribution / active EE | $1,315 | $4,040-67.5% | $3,636-63.8% | $4,742-72.3% |
| Participant deferral / active EE | $3,610 | $5,292-31.8% | $4,729-23.7% | $6,401-43.6% |
| Admin fee / account holder | $2,596 | $7,493-65.3% | $6,410-59.5% | $11,431-77.3% |