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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 | $51,394 | $73,848-30.4% | $143,799-64.3% | $68,486-25.0% |
| Participation rate | 40.5% | 66.7%-26.1pp | 80.3%-39.8pp | 67.9%-27.4pp |
| Annual return | -11.89% | 0.91%-12.8pp | -0.04%-11.8pp | -7.85%-4.0pp |
| Employer contribution / active EE | $923 | $3,184-71.0% | $4,952-81.4% | $2,597-64.4% |
| Participant deferral / active EE | $2,271 | $3,385-32.9% | $5,638-59.7% | $4,028-43.6% |
| Admin fee / account holder | $1,639 | $5,755-71.5% | $14,677-88.8% | $5,404-69.7% |