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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 | $42,008 | $64,719-35.1% | $112,249-62.6% | $68,486-38.7% |
| Participation rate | 43.8% | 67.2%-23.4pp | 75.1%-31.3pp | 67.9%-24.1pp |
| Annual return | -18.76% | -11.40%-7.4pp | 27.48%-46.2pp | -7.85%-10.9pp |
| Employer contribution / active EE | $1,307 | $2,747-52.4% | $3,636-64.1% | $2,597-49.7% |
| Participant deferral / active EE | $3,515 | $3,565-1.4% | $4,729-25.7% | $4,028-12.7% |
| Admin fee / account holder | $1,490 | $5,232-71.5% | $6,412-76.8% | $5,404-72.4% |