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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 | $39,705 | $53,596-25.9% | $90,657-56.2% | $64,173-38.1% |
| Participation rate | 53.6% | 64.5%-10.9pp | 74.0%-20.5pp | 69.6%-16.0pp |
| Annual return | -6.68% | 4.41%-11.1pp | 1.89%-8.6pp | 7.63%-14.3pp |
| Employer contribution / active EE | $990 | $1,503-34.1% | $2,532-60.9% | $2,381-58.4% |
| Participant deferral / active EE | $1,587 | $2,459-35.5% | $3,424-53.7% | $3,470-54.3% |
| Admin fee / account holder | $431 | $3,868-88.9% | $4,994-91.4% | $4,887-91.2% |