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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 | $46,013 | $62,589-26.5% | $76,768-40.1% | $64,173-28.3% |
| Participation rate | 46.2% | 72.8%-26.7pp | 77.0%-30.8pp | 69.6%-23.4pp |
| Annual return | -3.35% | -1.95%-1.4pp | 2.43%-5.8pp | 7.63%-11.0pp |
| Employer contribution / active EE | $560 | $1,832-69.4% | $2,485-77.5% | $2,381-76.5% |
| Participant deferral / active EE | $4,221 | $3,145+34.2% | $3,852+9.6% | $3,470+21.7% |
| Admin fee / account holder | $830 | $4,667-82.2% | $6,675-87.6% | $4,887-83.0% |