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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 | $22,727 | $64,719-64.9% | $112,249-79.8% | $68,486-66.8% |
| Participation rate | 41.3% | 67.2%-25.8pp | 75.1%-33.8pp | 67.9%-26.6pp |
| Annual return | -12.44% | -11.40%-1.0pp | 27.48%-39.9pp | -7.85%-4.6pp |
| Employer contribution / active EE | $1,452 | $2,747-47.1% | $3,636-60.1% | $2,597-44.1% |
| Participant deferral / active EE | $3,016 | $3,565-15.4% | $4,729-36.2% | $4,028-25.1% |
| Admin fee / account holder | $2,708 | $5,232-48.2% | $6,412-57.8% | $5,404-49.9% |