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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 | $49,316 | $77,817-36.6% | $123,553-60.1% | $64,173-23.2% |
| Participation rate | 40.0% | 74.7%-34.7pp | 82.3%-42.3pp | 69.6%-29.6pp |
| Annual return | -7.03% | 12.49%-19.5pp | 119.21%-126.2pp | 7.63%-14.7pp |
| Employer contribution / active EE | $866 | $3,014-71.3% | $4,628-81.3% | $2,381-63.6% |
| Participant deferral / active EE | $2,395 | $5,240-54.3% | $6,426-62.7% | $3,470-31.0% |
| Admin fee / account holder | $1,565 | $5,519-71.6% | $9,284-83.1% | $4,887-68.0% |