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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 | $25,657 | $62,589-59.0% | $76,768-66.6% | $64,173-60.0% |
| Participation rate | 47.3% | 72.8%-25.5pp | 77.0%-29.7pp | 69.6%-22.3pp |
| Annual return | -5.90% | -1.95%-4.0pp | 2.43%-8.3pp | 7.63%-13.5pp |
| Employer contribution / active EE | $989 | $1,832-46.0% | $2,485-60.2% | $2,381-58.5% |
| Participant deferral / active EE | $1,903 | $3,145-39.5% | $3,852-50.6% | $3,470-45.2% |
| Admin fee / account holder | $1,202 | $4,667-74.2% | $6,675-82.0% | $4,887-75.4% |