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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 | $30,399 | $97,020-68.7% | $83,322-63.5% | $135,379-77.5% |
| Participation rate | 29.4% | 80.4%-51.0pp | 77.8%-48.3pp | 82.6%-53.2pp |
| Annual return | -9.42% | 12.31%-21.7pp | 10.64%-20.1pp | 519.79%-529.2pp |
| Employer contribution / active EE | $1,474 | $4,144-64.4% | $3,379-56.4% | $4,779-69.2% |
| Participant deferral / active EE | $2,988 | $5,964-49.9% | $5,565-46.3% | $5,609-46.7% |
| Admin fee / account holder | $1,695 | $8,426-79.9% | $7,540-77.5% | $10,828-84.3% |