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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 | $28,522 | $81,870-65.2% | $119,634-76.2% | $68,490-58.4% |
| Participation rate | 60.6% | 71.9%-11.3pp | 79.3%-18.7pp | 67.9%-7.3pp |
| Annual return | -12.81% | -23.82%+11.0pp | -14.98%+2.2pp | -7.85%-5.0pp |
| Employer contribution / active EE | $2,532 | $2,692-5.9% | $4,232-40.2% | $2,597-2.5% |
| Participant deferral / active EE | $3,720 | $4,148-10.3% | $5,601-33.6% | $4,028-7.6% |
| Admin fee / account holder | $9,052 | $6,583+37.5% | $10,329-12.4% | $5,403+67.5% |