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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 | $39,978 | $64,176-37.7% | $112,249-64.4% | $66,938-40.3% |
| Participation rate | 39.3% | 68.4%-29.1pp | 75.1%-35.7pp | 69.8%-30.5pp |
| Annual return | -16.56% | -13.80%-2.8pp | 27.48%-44.0pp | 1.58%-18.1pp |
| Employer contribution / active EE | $792 | $3,007-73.6% | $3,636-78.2% | $2,545-68.9% |
| Participant deferral / active EE | $1,777 | $3,694-51.9% | $4,729-62.4% | $4,238-58.1% |
| Admin fee / account holder | $1,318 | $626+110.6% | $6,412-79.5% | $594+122.0% |