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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 | $36,459 | $50,947-28.4% | $74,551-51.1% | $64,173-43.2% |
| Participation rate | 40.0% | 61.1%-21.1pp | 69.1%-29.1pp | 69.6%-29.6pp |
| Annual return | -4.29% | -1.85%-2.4pp | 32.53%-36.8pp | 7.63%-11.9pp |
| Employer contribution / active EE | $686 | $1,115-38.5% | $1,961-65.0% | $2,381-71.2% |
| Participant deferral / active EE | $1,852 | $2,302-19.5% | $3,108-40.4% | $3,470-46.6% |
| Admin fee / account holder | $410 | $4,221-90.3% | $5,059-91.9% | $4,887-91.6% |