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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 | $38,665 | $79,633-51.4% | $93,759-58.8% | $68,486-43.5% |
| Participation rate | 52.0% | 75.4%-23.4pp | 81.0%-29.0pp | 67.9%-15.9pp |
| Annual return | -14.84% | -0.10%-14.7pp | -11.33%-3.5pp | -7.85%-7.0pp |
| Employer contribution / active EE | $1,513 | $3,665-58.7% | $4,324-65.0% | $2,597-41.7% |
| Participant deferral / active EE | $3,920 | $5,158-24.0% | $6,096-35.7% | $4,028-2.7% |
| Admin fee / account holder | $1,229 | $6,871-82.1% | $7,197-82.9% | $5,404-77.2% |