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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 | $35,435 | $73,863-52.0% | $143,797-75.4% | $68,490-48.3% |
| Participation rate | 58.8% | 66.7%-7.8pp | 80.3%-21.5pp | 67.9%-9.1pp |
| Annual return | -18.62% | 0.91%-19.5pp | -0.04%-18.6pp | -7.85%-10.8pp |
| Employer contribution / active EE | $3,423 | $3,185+7.5% | $4,952-30.9% | $2,597+31.8% |
| Participant deferral / active EE | $1,768 | $3,385-47.8% | $5,638-68.6% | $4,028-56.1% |
| Admin fee / account holder | $6,947 | $5,756+20.7% | $14,679-52.7% | $5,403+28.6% |