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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 | $30,835 | $73,019-57.8% | $90,766-66.0% | $68,490-55.0% |
| Participation rate | 43.4% | 70.8%-27.4pp | 75.7%-32.3pp | 67.9%-24.5pp |
| Annual return | -16.31% | -13.81%-2.5pp | -12.16%-4.1pp | -7.85%-8.5pp |
| Employer contribution / active EE | $1,383 | $2,193-36.9% | $2,922-52.6% | $2,597-46.7% |
| Participant deferral / active EE | $2,682 | $3,626-26.1% | $4,565-41.3% | $4,028-33.4% |
| Admin fee / account holder | $4,547 | $5,897-22.9% | $8,446-46.2% | $5,403-15.8% |