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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 | $58,786 | $70,430-16.5% | $96,572-39.1% | $85,851-31.5% |
| Participation rate | 37.5% | 61.8%-24.3pp | 69.8%-32.3pp | 69.3%-31.8pp |
| Annual return | 0.00% | 18.58%-18.6pp | 37.79%-37.8pp | 318.63%-318.6pp |
| Employer contribution / active EE | $1,545 | $1,413+9.3% | $2,357-34.5% | $2,565-39.8% |
| Participant deferral / active EE | $2,065 | $2,894-28.6% | $3,850-46.4% | $3,952-47.7% |
| Admin fee / account holder | $5,689 | $4,996+13.9% | $6,183-8.0% | $6,261-9.1% |