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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 | $31,709 | $45,872-30.9% | $77,096-58.9% | $68,486-53.7% |
| Participation rate | 63.0% | 55.9%+7.1pp | 67.9%-4.9pp | 67.9%-4.8pp |
| Annual return | -17.61% | 1.73%-19.3pp | 42.35%-60.0pp | -7.85%-9.8pp |
| Employer contribution / active EE | $1,196 | $1,650-27.5% | $2,814-57.5% | $2,597-53.9% |
| Participant deferral / active EE | $2,551 | $2,963-13.9% | $4,429-42.4% | $4,028-36.7% |
| Admin fee / account holder | $1,038 | $3,041-65.9% | $5,428-80.9% | $5,404-80.8% |