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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 | $47,706 | $25,979+83.6% | $71,755-33.5% | $68,486-30.3% |
| Participation rate | 38.7% | 54.5%-15.8pp | 62.3%-23.7pp | 67.9%-29.2pp |
| Annual return | -13.90% | -15.10%+1.2pp | 9.09%-23.0pp | -7.85%-6.0pp |
| Employer contribution / active EE | $760 | $900-15.6% | $1,704-55.4% | $2,597-70.7% |
| Participant deferral / active EE | $1,889 | $1,522+24.1% | $2,656-28.9% | $4,028-53.1% |
| Admin fee / account holder | $891 | $2,022-56.0% | $3,972-77.6% | $5,404-83.5% |