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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 | $18,763 | $45,872-59.1% | $77,100-75.7% | $68,490-72.6% |
| Participation rate | 60.0% | 55.9%+4.1pp | 67.9%-7.9pp | 67.9%-7.9pp |
| Annual return | -16.35% | 1.73%-18.1pp | 42.35%-58.7pp | -7.85%-8.5pp |
| Employer contribution / active EE | $1,001 | $1,650-39.3% | $2,815-64.4% | $2,597-61.4% |
| Participant deferral / active EE | $2,330 | $2,963-21.4% | $4,430-47.4% | $4,028-42.2% |
| Admin fee / account holder | $3,989 | $3,041+31.2% | $5,443-26.7% | $5,403-26.2% |