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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 | $37,380 | $61,660-39.4% | $80,022-53.3% | $64,173-41.8% |
| Participation rate | 63.7% | 71.7%-7.9pp | 75.8%-12.1pp | 69.6%-5.8pp |
| Annual return | -6.75% | -0.33%-6.4pp | 11.22%-18.0pp | 7.63%-14.4pp |
| Employer contribution / active EE | $849 | $1,810-53.1% | $2,468-65.6% | $2,381-64.4% |
| Participant deferral / active EE | $2,001 | $2,968-32.6% | $3,686-45.7% | $3,470-42.3% |
| Admin fee / account holder | $3,338 | $5,417-38.4% | $6,521-48.8% | $4,887-31.7% |