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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 | $31,667 | $64,719-51.1% | $112,249-71.8% | $68,486-53.8% |
| Participation rate | 38.8% | 67.2%-28.3pp | 75.1%-36.2pp | 67.9%-29.1pp |
| Annual return | -17.27% | -11.40%-5.9pp | 27.48%-44.8pp | -7.85%-9.4pp |
| Employer contribution / active EE | $1,406 | $2,747-48.8% | $3,636-61.3% | $2,597-45.8% |
| Participant deferral / active EE | $2,025 | $3,565-43.2% | $4,729-57.2% | $4,028-49.7% |
| Admin fee / account holder | $3,608 | $5,232-31.0% | $6,412-43.7% | $5,404-33.2% |