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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 | $44,314 | $71,872-38.3% | $86,691-48.9% | $68,495-35.3% |
| Participation rate | 55.7% | 72.2%-16.5pp | 76.6%-20.8pp | 67.9%-12.2pp |
| Annual return | -10.51% | 3.53%-14.0pp | 35.94%-46.5pp | -7.84%-2.7pp |
| Employer contribution / active EE | $1,188 | $2,173-45.3% | $2,837-58.1% | $2,596-54.3% |
| Participant deferral / active EE | $2,119 | $3,779-43.9% | $4,656-54.5% | $4,028-47.4% |
| Admin fee / account holder | $14,735 | $6,112+141.1% | $7,492+96.7% | $5,403+172.7% |