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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 | $66,563 | $81,870-18.7% | $119,608-44.3% | $68,495-2.8% |
| Participation rate | 28.8% | 71.9%-43.1pp | 79.3%-50.5pp | 67.9%-39.1pp |
| Annual return | -15.20% | -23.82%+8.6pp | -14.98%-0.2pp | -7.84%-7.4pp |
| Employer contribution / active EE | $1,708 | $2,692-36.5% | $4,232-59.6% | $2,596-34.2% |
| Participant deferral / active EE | $2,755 | $4,148-33.6% | $5,601-50.8% | $4,028-31.6% |
| Admin fee / account holder | $12,181 | $6,583+85.0% | $10,326+18.0% | $5,403+125.4% |