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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 | $22,240 | $64,716-65.6% | $112,258-80.2% | $68,495-67.5% |
| Participation rate | 44.0% | 67.2%-23.2pp | 75.1%-31.1pp | 67.9%-23.9pp |
| Annual return | -17.60% | -11.40%-6.2pp | 27.47%-45.1pp | -7.84%-9.8pp |
| Employer contribution / active EE | $1,410 | $2,746-48.7% | $3,636-61.2% | $2,596-45.7% |
| Participant deferral / active EE | $2,298 | $3,565-35.5% | $4,728-51.4% | $4,028-42.9% |
| Admin fee / account holder | $1,891 | $5,232-63.9% | $6,411-70.5% | $5,403-65.0% |