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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 | $29,282 | $65,557-55.3% | $105,736-72.3% | $56,289-48.0% |
| Participation rate | 17.4% | 63.4%-46.0pp | 76.3%-58.9pp | 69.9%-52.5pp |
| Annual return | -2.29% | -1.32%-1.0pp | 6.27%-8.6pp | -9.96%+7.7pp |
| Employer contribution / active EE | $538 | $1,788-69.9% | $3,268-83.5% | $2,111-74.5% |
| Participant deferral / active EE | $1,615 | $2,418-33.2% | $4,080-60.4% | $3,350-51.8% |
| Admin fee / account holder | $2,993 | $561+433.1% | $6,913-56.7% | $521+474.5% |