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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 | $43,735 | $59,834-26.9% | $79,576-45.0% | $68,495-36.1% |
| Participation rate | 29.4% | 61.1%-31.7pp | 69.5%-40.1pp | 67.9%-38.5pp |
| Annual return | -14.89% | -12.30%-2.6pp | 0.15%-15.0pp | -7.84%-7.0pp |
| Employer contribution / active EE | $771 | $1,505-48.8% | $2,413-68.0% | $2,596-70.3% |
| Participant deferral / active EE | $1,322 | $3,024-56.3% | $3,985-66.8% | $4,028-67.2% |
| Admin fee / account holder | $8,446 | $4,835+74.7% | $6,834+23.6% | $5,403+56.3% |