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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 | $53,807 | $25,014+115.1% | $69,623-22.7% | $80,935-33.5% |
| Participation rate | 23.2% | 64.2%-41.0pp | 66.4%-43.2pp | 67.7%-44.5pp |
| Annual return | 11.74% | 19.08%-7.3pp | 101.23%-89.5pp | 35.66%-23.9pp |
| Employer contribution / active EE | $0 | $991-100.0% | $1,709-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,002 | $1,840-45.5% | $2,890-65.3% | $4,299-76.7% |
| Admin fee / account holder | $10,169 | $2,491+308.3% | $4,696+116.6% | $6,924+46.9% |