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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 | $23,085 | $73,863-68.7% | $143,797-83.9% | $68,490-66.3% |
| Participation rate | 55.8% | 66.7%-10.8pp | 80.3%-24.5pp | 67.9%-12.1pp |
| Annual return | -17.02% | 0.91%-17.9pp | -0.04%-17.0pp | -7.85%-9.2pp |
| Employer contribution / active EE | $1,126 | $3,185-64.6% | $4,952-77.3% | $2,597-56.6% |
| Participant deferral / active EE | $3,947 | $3,385+16.6% | $5,638-30.0% | $4,028-2.0% |
| Admin fee / account holder | $2,209 | $5,756-61.6% | $14,679-84.9% | $5,403-59.1% |