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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 | $43,725 | $54,162-19.3% | $68,612-36.3% | $64,173-31.9% |
| Participation rate | 46.5% | 68.1%-21.5pp | 72.2%-25.7pp | 69.6%-23.1pp |
| Annual return | -0.70% | -1.62%+0.9pp | -4.63%+3.9pp | 7.63%-8.3pp |
| Employer contribution / active EE | $723 | $1,846-60.9% | $2,625-72.5% | $2,381-69.6% |
| Participant deferral / active EE | $1,613 | $2,626-38.6% | $3,311-51.3% | $3,470-53.5% |
| Admin fee / account holder | $872 | $4,029-78.3% | $5,131-83.0% | $4,887-82.2% |