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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 | $46,705 | $65,437-28.6% | $86,698-46.1% | $66,949-30.2% |
| Participation rate | 42.5% | 75.5%-33.0pp | 76.6%-34.1pp | 69.8%-27.4pp |
| Annual return | -17.14% | -10.91%-6.2pp | 35.96%-53.1pp | 1.57%-18.7pp |
| Employer contribution / active EE | $1,092 | $2,154-49.3% | $2,837-61.5% | $2,545-57.1% |
| Participant deferral / active EE | $2,533 | $4,102-38.3% | $4,656-45.6% | $4,239-40.3% |
| Admin fee / account holder | $1,136 | $642+77.0% | $7,492-84.8% | $594+91.4% |