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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 | $38,893 | $59,813-35.0% | $79,580-51.1% | $68,486-43.2% |
| Participation rate | 46.0% | 61.1%-15.1pp | 69.5%-23.5pp | 67.9%-21.9pp |
| Annual return | -17.49% | -12.30%-5.2pp | 0.15%-17.6pp | -7.85%-9.6pp |
| Employer contribution / active EE | $2,012 | $1,505+33.7% | $2,413-16.6% | $2,597-22.5% |
| Participant deferral / active EE | $4,186 | $3,024+38.4% | $3,985+5.0% | $4,028+3.9% |
| Admin fee / account holder | $8,505 | $4,835+75.9% | $6,835+24.4% | $5,404+57.4% |