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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 | $45,759 | $59,834-23.5% | $79,576-42.5% | $68,495-33.2% |
| Participation rate | 68.8% | 61.1%+7.7pp | 69.5%-0.7pp | 67.9%+0.9pp |
| Annual return | -15.10% | -12.30%-2.8pp | 0.15%-15.2pp | -7.84%-7.3pp |
| Employer contribution / active EE | $0 | $1,505-100.0% | $2,413-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,411 | $3,024-20.3% | $3,985-39.5% | $4,028-40.1% |
| Admin fee / account holder | $3,653 | $4,835-24.5% | $6,834-46.6% | $5,403-32.4% |