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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 | $75,207 | $52,678+42.8% | $75,784-0.8% | $59,633+26.1% |
| Participation rate | 28.6% | 67.2%-38.7pp | 75.8%-47.2pp | 68.7%-40.1pp |
| Annual return | -2.92% | 2.95%-5.9pp | 9.68%-12.6pp | 2041.45%-2044.4pp |
| Employer contribution / active EE | $892 | $2,193-59.4% | $3,323-73.2% | $2,203-59.5% |
| Participant deferral / active EE | $1,221 | $2,591-52.9% | $3,652-66.6% | $3,192-61.7% |
| Admin fee / account holder | $812 | $3,610-77.5% | $5,300-84.7% | $4,297-81.1% |