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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 | $38,864 | $59,813-35.0% | $79,580-51.2% | $68,486-43.3% |
| Participation rate | 53.8% | 61.1%-7.2pp | 69.5%-15.6pp | 67.9%-14.0pp |
| Annual return | -17.31% | -12.30%-5.0pp | 0.15%-17.5pp | -7.85%-9.5pp |
| Employer contribution / active EE | $1,918 | $1,505+27.4% | $2,413-20.5% | $2,597-26.1% |
| Participant deferral / active EE | $3,591 | $3,024+18.7% | $3,985-9.9% | $4,028-10.8% |
| Admin fee / account holder | $695 | $4,835-85.6% | $6,835-89.8% | $5,404-87.1% |