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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 | $21,640 | $42,383-48.9% | $76,518-71.7% | $64,173-66.3% |
| Participation rate | 62.2% | 58.1%+4.0pp | 68.0%-5.8pp | 69.6%-7.4pp |
| Annual return | -7.70% | -16.54%+8.8pp | -0.27%-7.4pp | 7.63%-15.3pp |
| Employer contribution / active EE | $1,122 | $1,563-28.2% | $2,647-57.6% | $2,381-52.9% |
| Participant deferral / active EE | $2,522 | $2,566-1.7% | $3,836-34.2% | $3,470-27.3% |
| Admin fee / account holder | $379 | $3,198-88.2% | $4,849-92.2% | $4,887-92.2% |