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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 | $52,661 | $64,729-18.6% | $112,263-53.1% | $68,490-23.1% |
| Participation rate | 25.6% | 67.2%-41.5pp | 75.1%-49.4pp | 67.9%-42.3pp |
| Annual return | -17.48% | -11.40%-6.1pp | 27.49%-45.0pp | -7.85%-9.6pp |
| Employer contribution / active EE | $1,202 | $2,746-56.2% | $3,636-66.9% | $2,597-53.7% |
| Participant deferral / active EE | $1,854 | $3,566-48.0% | $4,729-60.8% | $4,028-54.0% |
| Admin fee / account holder | $3,615 | $5,222-30.8% | $6,410-43.6% | $5,403-33.1% |