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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 | $31,015 | $45,872-32.4% | $77,096-59.8% | $68,486-54.7% |
| Participation rate | 47.5% | 55.9%-8.4pp | 67.9%-20.4pp | 67.9%-20.4pp |
| Annual return | -18.79% | 1.73%-20.5pp | 42.35%-61.1pp | -7.85%-10.9pp |
| Employer contribution / active EE | $1,531 | $1,650-7.2% | $2,814-45.6% | $2,597-41.0% |
| Participant deferral / active EE | $3,235 | $2,963+9.2% | $4,429-27.0% | $4,028-19.7% |
| Admin fee / account holder | $321 | $3,041-89.4% | $5,428-94.1% | $5,404-94.1% |