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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 | $37,542 | $71,873-47.8% | $86,698-56.7% | $68,490-45.2% |
| Participation rate | 60.6% | 72.2%-11.6pp | 76.6%-16.0pp | 67.9%-7.3pp |
| Annual return | -17.42% | 3.54%-21.0pp | 35.96%-53.4pp | -7.85%-9.6pp |
| Employer contribution / active EE | $1,458 | $2,173-32.9% | $2,837-48.6% | $2,597-43.9% |
| Participant deferral / active EE | $2,321 | $3,779-38.6% | $4,656-50.1% | $4,028-42.4% |
| Admin fee / account holder | $3,908 | $6,110-36.1% | $7,492-47.8% | $5,403-27.7% |