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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 | $53,353 | $59,819-10.8% | $79,583-33.0% | $68,490-22.1% |
| Participation rate | 35.7% | 61.1%-25.4pp | 69.5%-33.8pp | 67.9%-32.2pp |
| Annual return | -17.73% | -12.30%-5.4pp | 0.16%-17.9pp | -7.85%-9.9pp |
| Employer contribution / active EE | $1,502 | $1,505-0.2% | $2,414-37.8% | $2,597-42.1% |
| Participant deferral / active EE | $4,146 | $3,025+37.1% | $3,986+4.0% | $4,028+2.9% |
| Admin fee / account holder | $741 | $4,835-84.7% | $6,835-89.2% | $5,403-86.3% |