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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 | $26,632 | $73,848-63.9% | $143,799-81.5% | $68,486-61.1% |
| Participation rate | 56.3% | 66.7%-10.3pp | 80.3%-24.0pp | 67.9%-11.6pp |
| Annual return | -17.47% | 0.91%-18.4pp | -0.04%-17.4pp | -7.85%-9.6pp |
| Employer contribution / active EE | $950 | $3,184-70.2% | $4,952-80.8% | $2,597-63.4% |
| Participant deferral / active EE | $1,652 | $3,385-51.2% | $5,638-70.7% | $4,028-59.0% |
| Admin fee / account holder | $1,218 | $5,755-78.8% | $14,677-91.7% | $5,404-77.5% |