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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 | $44,764 | $50,947-12.1% | $74,551-40.0% | $64,173-30.2% |
| Participation rate | 44.4% | 61.1%-16.6pp | 69.1%-24.7pp | 69.6%-25.1pp |
| Annual return | -6.86% | -1.85%-5.0pp | 32.53%-39.4pp | 7.63%-14.5pp |
| Employer contribution / active EE | $642 | $1,115-42.4% | $1,961-67.3% | $2,381-73.0% |
| Participant deferral / active EE | $1,293 | $2,302-43.8% | $3,108-58.4% | $3,470-62.7% |
| Admin fee / account holder | $370 | $4,221-91.2% | $5,059-92.7% | $4,887-92.4% |