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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 | $41,276 | $55,002-25.0% | $59,899-31.1% | $56,289-26.7% |
| Participation rate | 48.2% | 75.9%-27.7pp | 74.7%-26.4pp | 69.9%-21.6pp |
| Annual return | -4.80% | 1.13%-5.9pp | 3.46%-8.3pp | -9.96%+5.2pp |
| Employer contribution / active EE | $907 | $2,448-63.0% | $2,723-66.7% | $2,111-57.0% |
| Participant deferral / active EE | $2,500 | $3,121-19.9% | $3,402-26.5% | $3,350-25.4% |
| Admin fee / account holder | $1,394 | $236+491.2% | $3,592-61.2% | $521+167.5% |