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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 | $37,571 | $64,719-41.9% | $112,249-66.5% | $68,486-45.1% |
| Participation rate | 45.8% | 67.2%-21.3pp | 75.1%-29.2pp | 67.9%-22.1pp |
| Annual return | -15.74% | -11.40%-4.3pp | 27.48%-43.2pp | -7.85%-7.9pp |
| Employer contribution / active EE | $1,185 | $2,747-56.9% | $3,636-67.4% | $2,597-54.4% |
| Participant deferral / active EE | $2,057 | $3,565-42.3% | $4,729-56.5% | $4,028-48.9% |
| Admin fee / account holder | $2,931 | $5,232-44.0% | $6,412-54.3% | $5,404-45.8% |