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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 | $31,443 | $45,872-31.5% | $77,100-59.2% | $68,490-54.1% |
| Participation rate | 45.1% | 55.9%-10.9pp | 67.9%-22.9pp | 67.9%-22.8pp |
| Annual return | -16.35% | 1.73%-18.1pp | 42.35%-58.7pp | -7.85%-8.5pp |
| Employer contribution / active EE | $943 | $1,650-42.8% | $2,815-66.5% | $2,597-63.7% |
| Participant deferral / active EE | $3,132 | $2,963+5.7% | $4,430-29.3% | $4,028-22.2% |
| Admin fee / account holder | $1,012 | $3,041-66.7% | $5,443-81.4% | $5,403-81.3% |