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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 | $40,562 | $42,548-4.7% | $74,551-45.6% | $56,289-27.9% |
| Participation rate | 45.9% | 60.5%-14.5pp | 69.1%-23.2pp | 69.9%-23.9pp |
| Annual return | -6.72% | 12.40%-19.1pp | 32.53%-39.3pp | -9.96%+3.2pp |
| Employer contribution / active EE | $1,432 | $855+67.5% | $1,961-27.0% | $2,111-32.1% |
| Participant deferral / active EE | $2,058 | $2,277-9.6% | $3,108-33.8% | $3,350-38.6% |
| Admin fee / account holder | $821 | $467+75.7% | $5,059-83.8% | $521+57.6% |