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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 | $25,518 | $64,729-60.6% | $112,263-77.3% | $68,490-62.7% |
| Participation rate | 49.3% | 67.2%-17.9pp | 75.1%-25.8pp | 67.9%-18.6pp |
| Annual return | -11.44% | -11.40%0pp | 27.49%-38.9pp | -7.85%-3.6pp |
| Employer contribution / active EE | $1,321 | $2,746-51.9% | $3,636-63.7% | $2,597-49.1% |
| Participant deferral / active EE | $2,439 | $3,566-31.6% | $4,729-48.4% | $4,028-39.4% |
| Admin fee / account holder | $851 | $5,222-83.7% | $6,410-86.7% | $5,403-84.3% |