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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 | $39,270 | $42,383-7.3% | $76,518-48.7% | $64,173-38.8% |
| Participation rate | 29.3% | 58.1%-28.9pp | 68.0%-38.7pp | 69.6%-40.3pp |
| Annual return | -2.53% | -16.54%+14.0pp | -0.27%-2.3pp | 7.63%-10.2pp |
| Employer contribution / active EE | $1,026 | $1,563-34.4% | $2,647-61.2% | $2,381-56.9% |
| Participant deferral / active EE | $0 | $2,566-100.0% | $3,836-100.0% | $3,470-100.0% |
| Admin fee / account holder | $967 | $3,198-69.8% | $4,849-80.1% | $4,887-80.2% |