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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 | $39,547 | $73,019-45.8% | $90,766-56.4% | $68,490-42.3% |
| Participation rate | 58.3% | 70.8%-12.5pp | 75.7%-17.4pp | 67.9%-9.6pp |
| Annual return | -9.65% | -13.81%+4.2pp | -12.16%+2.5pp | -7.85%-1.8pp |
| Employer contribution / active EE | $986 | $2,193-55.0% | $2,922-66.3% | $2,597-62.0% |
| Participant deferral / active EE | $2,860 | $3,626-21.1% | $4,565-37.3% | $4,028-29.0% |
| Admin fee / account holder | $3,573 | $5,897-39.4% | $8,446-57.7% | $5,403-33.9% |