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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 | $45,043 | $59,813-24.7% | $79,580-43.4% | $68,486-34.2% |
| Participation rate | 41.9% | 61.1%-19.2pp | 69.5%-27.6pp | 67.9%-26.0pp |
| Annual return | -12.13% | -12.30%+0.2pp | 0.15%-12.3pp | -7.85%-4.3pp |
| Employer contribution / active EE | $0 | $1,505-100.0% | $2,413-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $3,230 | $3,024+6.8% | $3,985-18.9% | $4,028-19.8% |
| Admin fee / account holder | $840 | $4,835-82.6% | $6,835-87.7% | $5,404-84.5% |