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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 | $39,121 | $56,484-30.7% | $169,452-76.9% | $64,173-39.0% |
| Participation rate | 43.4% | 64.5%-21.1pp | 77.8%-34.4pp | 69.6%-26.1pp |
| Annual return | -7.30% | -1.55%-5.8pp | 1.83%-9.1pp | 7.63%-14.9pp |
| Employer contribution / active EE | $1,140 | $1,832-37.8% | $4,157-72.6% | $2,381-52.1% |
| Participant deferral / active EE | $3,130 | $3,448-9.2% | $5,277-40.7% | $3,470-9.8% |
| Admin fee / account holder | $1,201 | $4,174-71.2% | $9,110-86.8% | $4,887-75.4% |