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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 | $39,416 | $81,870-51.9% | $119,622-67.0% | $68,486-42.4% |
| Participation rate | 48.8% | 71.9%-23.1pp | 79.3%-30.4pp | 67.9%-19.1pp |
| Annual return | -17.49% | -23.82%+6.3pp | -14.98%-2.5pp | -7.85%-9.6pp |
| Employer contribution / active EE | $1,516 | $2,692-43.7% | $4,232-64.2% | $2,597-41.6% |
| Participant deferral / active EE | $4,000 | $4,148-3.6% | $5,601-28.6% | $4,028-0.7% |
| Admin fee / account holder | $746 | $6,583-88.7% | $10,328-92.8% | $5,404-86.2% |