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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 | $37,856 | $86,655-56.3% | $119,622-68.4% | $66,938-43.4% |
| Participation rate | 42.2% | 75.6%-33.4pp | 79.3%-37.1pp | 69.8%-27.6pp |
| Annual return | -17.31% | -8.00%-9.3pp | -14.98%-2.3pp | 1.58%-18.9pp |
| Employer contribution / active EE | $1,376 | $2,536-45.7% | $4,232-67.5% | $2,545-45.9% |
| Participant deferral / active EE | $3,458 | $4,358-20.7% | $5,601-38.3% | $4,238-18.4% |
| Admin fee / account holder | $1,057 | $755+40.1% | $10,328-89.8% | $594+78.1% |