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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 | $39,532 | $58,093-32.0% | $80,022-50.6% | $56,287-29.8% |
| Participation rate | 57.8% | 73.6%-15.8pp | 75.8%-18.0pp | 69.9%-12.0pp |
| Annual return | -4.36% | 34.63%-39.0pp | 11.22%-15.6pp | -9.96%+5.6pp |
| Employer contribution / active EE | $1,217 | $1,933-37.0% | $2,468-50.7% | $2,111-42.3% |
| Participant deferral / active EE | $1,879 | $3,136-40.1% | $3,686-49.0% | $3,350-43.9% |
| Admin fee / account holder | $2,229 | $623+258.0% | $6,521-65.8% | $521+327.8% |