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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 | $70,834 | $100,901-29.8% | $75,670-6.4% | $147,585-52.0% |
| Participation rate | 50.0% | 77.1%-27.1pp | 72.3%-22.3pp | 82.8%-32.8pp |
| Annual return | 17.92% | 35.78%-17.9pp | 27.34%-9.4pp | 578.57%-560.7pp |
| Employer contribution / active EE | $1,736 | $3,253-46.6% | $2,352-26.2% | $4,876-64.4% |
| Participant deferral / active EE | $4,158 | $4,027+3.3% | $3,142+32.3% | $5,439-23.5% |
| Admin fee / account holder | $2,657 | $11,285-76.5% | $5,800-54.2% | $10,885-75.6% |