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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 | $41,270 | $42,396-2.7% | $67,313-38.7% | $56,289-26.7% |
| Participation rate | 47.5% | 61.0%-13.5pp | 69.1%-21.6pp | 69.9%-22.3pp |
| Annual return | -6.83% | -36.63%+29.8pp | -4.08%-2.7pp | -9.96%+3.1pp |
| Employer contribution / active EE | $1,036 | $1,414-26.7% | $2,566-59.6% | $2,111-50.9% |
| Participant deferral / active EE | $1,826 | $2,360-22.6% | $3,568-48.8% | $3,350-45.5% |
| Admin fee / account holder | $3,988 | $510+682.5% | $4,507-11.5% | $521+665.4% |