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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 | $45,623 | $53,162-14.2% | $91,225-50.0% | $68,495-33.4% |
| Participation rate | 36.2% | 63.2%-27.0pp | 73.2%-37.0pp | 67.9%-31.7pp |
| Annual return | -15.20% | -3.14%-12.1pp | 114.10%-129.3pp | -7.84%-7.4pp |
| Employer contribution / active EE | $936 | $1,709-45.2% | $2,851-67.2% | $2,596-63.9% |
| Participant deferral / active EE | $2,253 | $2,974-24.2% | $4,234-46.8% | $4,028-44.1% |
| Admin fee / account holder | $798 | $4,493-82.2% | $5,422-85.3% | $5,403-85.2% |