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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 | $32,394 | $45,872-29.4% | $77,081-58.0% | $68,495-52.7% |
| Participation rate | 64.3% | 55.9%+8.4pp | 67.9%-3.6pp | 67.9%-3.6pp |
| Annual return | -7.18% | 1.73%-8.9pp | 42.33%-49.5pp | -7.84%+0.7pp |
| Employer contribution / active EE | $0 | $1,650-100.0% | $2,813-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $3,019 | $2,963+1.9% | $4,428-31.8% | $4,028-25.1% |
| Admin fee / account holder | $994 | $3,041-67.3% | $5,427-81.7% | $5,403-81.6% |