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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 | $40,335 | $64,729-37.7% | $112,263-64.1% | $68,490-41.1% |
| Participation rate | 40.5% | 67.2%-26.6pp | 75.1%-34.5pp | 67.9%-27.4pp |
| Annual return | -10.80% | -11.40%+0.6pp | 27.49%-38.3pp | -7.85%-2.9pp |
| Employer contribution / active EE | $1,456 | $2,746-47.0% | $3,636-60.0% | $2,597-43.9% |
| Participant deferral / active EE | $2,072 | $3,566-41.9% | $4,729-56.2% | $4,028-48.6% |
| Admin fee / account holder | $541 | $5,222-89.6% | $6,410-91.6% | $5,403-90.0% |