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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 | $81,259 | $73,839+10.0% | $143,788-43.5% | $68,495+18.6% |
| Participation rate | 42.9% | 66.7%-23.8pp | 80.3%-37.5pp | 67.9%-25.0pp |
| Annual return | -17.62% | 1.01%-18.6pp | -0.03%-17.6pp | -7.84%-9.8pp |
| Employer contribution / active EE | $544 | $3,184-82.9% | $4,952-89.0% | $2,596-79.1% |
| Participant deferral / active EE | $2,735 | $3,384-19.2% | $5,638-51.5% | $4,028-32.1% |
| Admin fee / account holder | $8,626 | $5,755+49.9% | $14,675-41.2% | $5,403+59.6% |