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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 | $37,248 | $92,219-59.6% | $76,768-51.5% | $135,379-72.5% |
| Participation rate | 46.2% | 79.8%-33.6pp | 77.0%-30.8pp | 82.6%-36.5pp |
| Annual return | -6.09% | 5.46%-11.5pp | 2.43%-8.5pp | 519.79%-525.9pp |
| Employer contribution / active EE | $1,067 | $3,216-66.8% | $2,485-57.1% | $4,779-77.7% |
| Participant deferral / active EE | $2,757 | $4,508-38.8% | $3,852-28.4% | $5,609-50.8% |
| Admin fee / account holder | $1,039 | $10,749-90.3% | $6,675-84.4% | $10,828-90.4% |