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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 | $53,966 | $42,909+25.8% | $60,906-11.4% | $68,486-21.2% |
| Participation rate | 47.1% | 66.8%-19.7pp | 73.1%-26.0pp | 67.9%-20.8pp |
| Annual return | -18.13% | -13.99%-4.1pp | 16.94%-35.1pp | -7.85%-10.3pp |
| Employer contribution / active EE | $621 | $1,979-68.6% | $2,703-77.0% | $2,597-76.1% |
| Participant deferral / active EE | $2,641 | $2,866-7.9% | $3,814-30.8% | $4,028-34.4% |
| Admin fee / account holder | $2,005 | $3,104-35.4% | $3,227-37.9% | $5,404-62.9% |